Well, going to a public forum and asking a question is one way to look for problems...with the foreclosure lender.
Not only you need an attorney, you might need to speak to a few of them before deciding who
is appropriate and good for your particular situation. For example, a bankruptcy attorney is good if your don't have money, hence, could not pay for the property etc... BK will protect you (if qualified) from the foreclosure lender deficiency seeking court action.
If you can't do BK (which you'll find out after speaking with a BK attorney), then you need to speak
to an attorney who can "settle" the balance with the foreclosure lender for you.
The settlement could be done as a 1 time payment, or a soft note of 5 to 10 years (paying monthly).
The agreed upon payoff will set you free, but the documents will need to be prepared "just so"
by an attorney.
Hope this helps,
Beachfront Realty, Inc.