You should file the answer Pro Se if you do not find an attorney. This is perfectly legal and acceptable. A foreclosure can not only affect your credit but also a Deficiency Jugement may be rendered for additional monies owed after auction.

Have you tried a Short sale?

Wow, I totally agree with Bill's questioning of professionalism, although sanity is what I was considering might be lacking here... I was wondering what language that is, then I remembered that there are some things that are legal in CA that are not in FL... this may be the reason for the nonsense and babbling.

John,

The post in question is not very professional for an "agent??????" We have reported the answer to Trulia for their review and recommend that others do the same.....................

Thanks to Bill, I was wondering how to answer our West Coast friend, and you did it well.


John

Roechelle,

It is not the best time to set back and wait for things to come to you..............

As previously mentioned, it is advisable to consult an attorney to protect your interests and develop a plan of your own.

Good luck

You should get an attorney to assist you. If you name is on the note and mortage you have a issue and there is no way anyone will let you off the note. If you received a notice from the foreclosing attorney it should of given you 20 - 30 days to respond to the complaint. If there is no response a summary judgement will be entered and if the lender does not go for a deficeincy there will be 6 months redemption under normal circumstances and then a foreclosure sale date. About 2-3 weeks after the sale there will be a confirmation of the foreclosure sale.

Contact your lender for your options: modification, repay plan, sale of property, short sale of property, foreclosure or deed in lieu. Maybe even a refinance to get his or your name off the note.

A foreclosure will have a 2-300 point drop in your credit score and will be on your report for 7 years and will hinder you purchasing a property for 5 years. It will also effect purchases of other things that require credit. It is very important to research and address this issue.


Keith Manson
First Weber Group
Certified Distressed Property Expert
Greenfield, Wisconin

YEP!!!!

FIND YOU A GOOD ATTORNEY!

NOW!!!

thumbS UP TO KIETH AND BRYAN

Roechelle,

You need to contact your attorney to show those letters. Most probably, if you have just missed the payment and it's not foreclosed, it might be NOD(notice of default) letter. If you are getting divorce then that's one of the hardship to do short sale. You need to contact an experienced realtor who can do short sale before it forecloses. Short sale will affect your credit but not as foreclosure. Contact your CPA for any tax ramifications.

Take some action now to protect from foreclosure, but be aware of all scammers out there who wants to take advantage or giving wrong advices. You need to contact only professionals like attorney, CPA or realtor who is experienced in short sale. Check some referral before working with anyone.

Listen to Keith Sorem! That is absolutely the best advice here. Get a lawyer.

I would only add to this that you do have some options, but mostly it's a tough situation and you must approach it VERY carefully. DO NOT TAKE THIS LIGHTLY! THIS CAN affect you for MANY YEARS to come! Your credit could be indefinitely affected and it could really cause you some unending grief if you don't take action IMMEDIATELY!

R
Talk with your attorney. This is a time for competent legal advice, not asking questions on Trulia.

You need advise from a professional that knows the full facts of the case.

Good luck.