Foreclosure sale date postponed

Homeowners face foreclosures, and if they know their rights, they are able to slow delay and postpone the foreclosure sale date. Postponing a foreclosure sale date means gives homeowners time to look for alternatives and figure out a long term solution to help you prevent future foreclosures. In some states, Non-judicial foreclosures move so fast that homeowners can lose their homes in about 30 days. In other states, the process takes a few months. To find out how a foreclosure will take talk to a Mortgage Audit Online Attorneys.

Challenging foreclosure in court

You may postpone the foreclosure sale date by challenging it in court. You should have a valid and legal defense. Lenders make mistakes when it comes to the foreclosure process. Lenders may make mistakes such as

Not sending the breach letter required by the loan contract

  • Fail to follow the mortgage servicing laws
  • Improper notice of the foreclosure as stated by law
  • Fail to provide the original documents
  • Apply for loss mitigation

The homeowner can submit a loss mitigation application during the 120-day waiting period. If the owner submits a completed application before the servicer starts the state foreclosure process, the servicer cannot foreclose until the following occurs:

  • the borrower doesn’t qualify for, or rejects, the lender’s loss mitigation options, or
  • the borrower accepts a loss mitigation offer but fails to fulfill its requirements.

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Filing bankruptcy

Filing for Chapter 7 bankruptcy will delay the foreclosure. You can use chapter 7 bankruptcy to save your home if your mortgage payments are up to date or don’t have much equity. If you want to keep your home, chapter 13, bankruptcy is a good choice. Chapter 13 bankruptcy allows the homeowner to reorganize their debts so that they can pay their loans at a convenient time.

For information on foreclosure defense call us at (877) 399 2995. We offer litigation document review support, mortgage audit reports, securitization audit reports, affidavit of expert witness notarized, and more.

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