How was it that came to your door? Realtor? Collection agent? Process server? Someone who just comes to your door may or may not have accurate information on payments.
The first thing that happens when anyone is delinquent on payments is a "Notice of Default" usually when the owner is three months behind on payments. That starts a chain of events that may take many months, or might be more like 3-4 months after that at which point the house might be sold.
You are entitled to 60 days notice. Whether you would get that depends on lots of people acting correctly.
If you can provide your address, I can possibly find who the lender is and then you'd at least be able to try to contact them to find out the real payment status.... more