Asked by Lynn Burke, Las Vegas, Las Vegas, NV • Tue Jul 23, 2013
She gave house back to bank in Dec 2011 and BOA changed locks and placed no trespassing signs on property. No more HOA payments were made at that point. One and a half years later the HOA's collection agency foreclosed and sold the house. 3 weeks after the sale she received a letter that BOA sold the Note that no longer has a house attached to it to Bank of America Merrill Lynch Trust and are still trying to collect. How can they sell a Note secured by house that was already sold at the HOA's collection agency trustee sale and why didn't the bank complete their own foreclosure when they had almost 2 years of having the house in their control? How long can the bank pursue a deficiency judgement since they failed to pursue their 1st mortgage lein at the HOA trustee sale?
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