This is my second post, the first one was ranting about how we moved out of our house in December and rented a place because our attorney said we could be evicted from our house now, in April. I have a very sick wife and couldn't risk that happening, so we left right away.
It is now April, we are close to our discharge in our no asset case, and other than the bank getting a relief from stay, there has been no foreclosure action taken, yet, knock on wood, and the house is empty.
My question for the board is does anyone have any updated info on how long foreclosures are taking in Colorado these days? Our property is located in the mountains, in a resort area. It was our primary residence. I called my lawyer and he said he had no idea (which is odd, because that's business and I think he should know. I think he doesn't want any liability by telling us, honestly). His receptionist told me many banks now aren't starting foreclosure until after discharge. Is that true?
I am thinking of getting a job back up in the mountains, and residing in the house until the NED gets filed. From what I am reading on the board here, some homes are left alone by the banks for years.
I am pissed that I didn't read more here, before we panicked and left like we did, it was a real nightmare. I've learned more about chapter 7 and chapter 13 in a few hours here than I did from my $3,000 attorney, who now also wants $325 per hour more to answer my questions at this point. He is a real smart ass, too, never giving me a yes or no answer. I hate him. He did do a good job with the filing, though, I have to give hime that, just poor with advice.
The mortgage is one of those BofA, Lasalle Bank, WAMU option arms. We were paying Chase, I guess they were the servicer.
Any help anyone can give me is greatly appreciated.
It is now April, we are close to our discharge in our no asset case, and other than the bank getting a relief from stay, there has been no foreclosure action taken, yet, knock on wood, and the house is empty.
My question for the board is does anyone have any updated info on how long foreclosures are taking in Colorado these days? Our property is located in the mountains, in a resort area. It was our primary residence. I called my lawyer and he said he had no idea (which is odd, because that's business and I think he should know. I think he doesn't want any liability by telling us, honestly). His receptionist told me many banks now aren't starting foreclosure until after discharge. Is that true?
I am thinking of getting a job back up in the mountains, and residing in the house until the NED gets filed. From what I am reading on the board here, some homes are left alone by the banks for years.
I am pissed that I didn't read more here, before we panicked and left like we did, it was a real nightmare. I've learned more about chapter 7 and chapter 13 in a few hours here than I did from my $3,000 attorney, who now also wants $325 per hour more to answer my questions at this point. He is a real smart ass, too, never giving me a yes or no answer. I hate him. He did do a good job with the filing, though, I have to give hime that, just poor with advice.
The mortgage is one of those BofA, Lasalle Bank, WAMU option arms. We were paying Chase, I guess they were the servicer.
Any help anyone can give me is greatly appreciated.
Comment