If you want legal advice, hire a lawyer.
But, please: You've been in foreclosure for a year. A YEAR. A notice was taped to your front door without someone knocking. Does knocking make it legal? Look: Many people who are in foreclosure and are getting evicted are hostile. You think the person serving the notice was interested in knocking and facing someone hostile? No way. They did what they were supposed to do. They served the notice. And you got the notice. So it worked.
Don't play games. What if they knocked twice, in violation of Tony Orlando's directive to "Knock three times"? (Sorry, it's a song from the 1970s!) They served the notice.
As for certified mail, that depends on your local laws and on the contact provisions in your mortgage. But it appears you aren't contesting that you've been in foreclosure for A YEAR. You aren't contesting that someone put a notice on your door. You spoke to someone in the bank who probably gave you very good advice. Then you vaguely speak to someone (A co-worker? A friend? Your beautician?) who, playing lawyer, tells you that it doesn't count because it wasn't a certified letter.
You don't know what you're going to do. Fine. You've had an entire year to think about it. But you still need more time. You have, according to the bank, about 15 days.
Let's narrow down the options, shall we? First, go out and get a lawyer. Perhaps the process can be delayed.
Next, start searching for apartments. It may not be too easy because, having been in foreclosure for a year, your credit probably isn't all that good. On the other hand, if you haven't been paying your mortgage in a year, you may have some money saved up. So, use the first $500-$1,000 on a lawyer. Then search for apartments.
As for downsizing, there's Craigslist. Or rent a storage unit. Or give the stuff to relatives. Or to charity. (The Salvation Army ought to be near the top of your list.)
But it's time to get serious about the situation. And whether you have 15 days or a bit long, the clock's ticking.
Your home has already been sold at auction ?
Let me know.
Getting your home back may be within our purview.
Are you wanting to keep your home or sell it and make money off of it ?
To stay, you will need some financial capibility.
Do you all have a source of income ?
Alan D. Gross
While I agree with the tone and character of most of the posts here, you do have some rights. You can seek the advice of an attorney for details.
I simply advise that you have a plan ready for the bank, let them know how much time you require (usually less than 2-4 weeks is normal) and get out. You can force the matter but it just gets uglier and potentially more costly to you.
While it is unfortunate that you have had your home foreclosed upon, You really need to understand that the world does not owe you. You appear to have been able to live rent free for a year and i am sure close to two years. What bothers many people, is that they don't get to live rent free. Let's face it, I have to pay each and every month and that helps the economy go around. Living rent free by not paying is a luxury in California that law makers in this state have made to help protect people in your situation. In Texas from what I have heard, you get 30 days from the day you didn't make your payment. If you miss the rent payment the the sheriff is at your door in 3 days and you are out. So My suggestion is this. You should have had an exit strategy all along. This didn't creep up on you. There are some government links on this site that may help you. http://www.southern-california-home.com
So Cal Homes Realty
Did you expect you could just live there forever not paying? You were given 18 days. that is about 8-9 months more than I think you should have expected to get.
It is time to get a storage rental and a truck. Move everything into the storage bin. Find a place to live then just move out.
There is a price in this world for every action we take. You are finding the consequences are finding you now. I am sorry, but that is the simple fact of the matter. Move your stuff, move yourself, and start again elsewhere. If worse comes to worse, get a weekly rental at a motel. It is not polite, but can be done reasonably in many areas.
PMZ Real Estate
By the way the person that told you to ignore it is going to replace all your property that is in the house when they do the set out right?