Asked by msc, Chicago, IL • Thu Mar 14, 2013
I was recently served papers for a foreclosure and I have 35 days to respond to the state. I live in Chicago. The problem has been that I have not made communication with my mortgage company in the months where I was not paying my mortgage. For the last 3-5 months I haven't paid any of my mortgage due to falling behind in other bills and a few unexpected expenses. I was hit with this foreclosure letter but would like to now start making payments. Also, I was paying roughly $600 more than the minimum every month for over a year on my mortgage. Is this taken into account when figuring what to do? My question is what do I say to the mortgage company when I call? Do I have to pay the entire amount in one shot to make this go away? Can I modify? Do I still have to deal with the court appearance or do they automatically take care of that? Does my history of paying more than necessary help my current case? What are the steps?
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