Prudent to do a Short Sale than a Foreclosure.
Work with the many fine agents writing to you.
Since, you are not paying your mortgage now, then its
time to call a Realtor.
Why not to short sale it?
If your house in Reseda, my team and I would be happy to assist you and answer all your questions. I work on Short Sales with an attorney, but you don't need to pay us anything at all.
Give me a call 310 867 0698 or email: firstname.lastname@example.org.
Looking forward to hearing from you!
Short Sale and Pre-Foreclosure Specialist,
Certified HAFA specialist.
Direct phone 818-903-2040
This gets tricky, but if you're at a point where you're a week before D-Day (the Sheriff sale), just watch it & make sure you're paid current for that final month. I don't believe you're paying in arrears for your HOA dues, but you DO NOT want to become late, trust me the HOA will slap HIGH late fees / fines to your account & can come after you After your place sells at auction or reverts to your lien holder.
I don't know what the rules are in Illinois but, here in CA I can get auction dates postponed within even 24hrs prior to an auction sale.
Shoot me an email directly so I can talk to you about this further, you should be doing everything possible to NOT have a foreclosure on your record since your lender is not too interested in giving you a loan modification or they wouldn't have let it get to this point. Lenders are just taking advantage of underwater homeowners who are missing payments.
I don't look back on this same Trulia posting for answers after mine.
Emily S. Knell
Realtor Since 1996
Realty ONE Group
Short Sale Listing Agent
100% Success Rate in CA