There are lawyers who specialize in suing banks after homeowners have lost their home, but we rarely hear about the individual homeowners being made whole. Contingency cases are rarer yet. I'm so sorry this has happened to you. Trying to navigate the waters of a loan mod and going through Keep Your Home California has frustrated many struggling homeowners in Sacramento and throughout California.
Move forward and work to get back on track
Best of luck
I'm not sure what you want to do. I can only surmise that through some hardship, you were unable to pay your mortgage as specified in the contract with your lender. The lender exercised their right to foreclose on the property. You had delayed that process by the use of a bankruptcy but in the end, the foreclosure occurred. Is that correct?
If so, then during that time, you lived in the home for many months without paying any housing expense. Hopefully you saved that money and were able to start over again in a new home, albeit a rental home. Despite your hardship, and your loss of your home, you received many months of rent-free living. If you wish to buy a home again, and can qualify for a mortgage you may be able to as early as now, or possibly have to wait for one more year, depending on your circumstances. Speak to a loan officer on your qualification if that's what you want.
As for speaking to an attorney...where do you think you were wronged? The law regarding foreclosures is the law, giving a lender a right to repossess the property if you default in payments. Keep Your Home California (who is not always great but can be) is an assistant to help you understand your rights and gave you an angle to delay the process by filing bankruptcy. If they did not respond to you as quickly as you wanted, what did you expect? Did you pay them for legal services that were not provided?
Thank you for leaving the home in move in ready condition and the landscape perfect. When you lose the home through foreclosure WE are all affected with lower property values, and the costs of these losses by banks being subsidized by us taxpayers. Except for the fact that a short sale would most likely have been a better course of action, you did everything correctly. Now you have the chance to start again where property values and interest rates may be lower. Good luck to you.