Urgent!!! Need to stop a trustee sale tomorrow

[OhioFiler]

So much negativity here!

Yes. Not getting a yes is a no. Sorry, you are not likely to save your house. Hate to bear the negative news but sometimes the truth hurts.

[HHM]

The ONLY think you can do to "stop" the foreclosure is file a chapter 13 BK BEFORE THE SALE, short the bank stopping it (you can try to contact them and see how far you get). The real issue is what is the end game scenario and I think that that is what I and others are responding too. There does not seem to be an end game here. So, from a practical standpoint, you lost your house; UNLESS you propose a feasiable chapter 13 plan to pay back the mortgage arrears and can afford to start making your regular monthly mortgage payment. You are too far gone for a modification, and the modification you seem to want isn't really out there to get.

Now you mention Forensic doc audit, PLEASE, now you are just grasping. A Forensic Doc audit for what purpose.

I hate to say it, but is seems you made this bed, not your mortgage company. If the only issue with your mortgage was that it was negative (I assume you mean upside down), but you could otherwise afford it, you simply did not do your homework. Mortgage companies ARE NOT rewriting the principal balances.

It's not negativity you getting, you are getting the "real" story, you just don't want to accept it. If you really cared that much, you would have hired an attorney to help you and you would not be in this situation.

[hotmama]

Still negative!!!!!

[hotmama]

my question was not answered anyway!

[kenshirley]

I guess no one knows the answer!

Would you rather someone tell you what you want to hear?

[Tbornetun]

Your question was answered numerous times. The house is gone unless if you file a viable Chapter 13 plan or pay the bank what it is owed. It is what it is! It may seem negative to you, but the people on this forum were giving you your options. There is no other answer for you at this point.

[BkinTX]

What was your question?

[hotmama]

Time was the issue! and I did not get a reasonable answered! Of course the bank won't rewrite the loan but adjust the interest! for 4 - 5 years.

Anyhow I will find my own way out - thanks for .... ohh wait..... Nothing!

[kenshirley]

That will get you blocked I am sure.

[Tbornetun]

You put yourself in this situation, it is time for you to start taking ownership for that. This is a forum where people have ideas, opinions, etc. If you wanted concrete legal advice you should have consulted with an attorney long before now.

[hotmama]

Thank you HHM you gave the best ideas an advice. Sorry for my comments b4

[hotmama]

Thanks you all.

[hotmama]

I guess I just have to relax and have a meeting with myself. I do appreciate all the comments. ;)

[kenshirley]

Maybe you will get lucky at this point and buy some time.
My son lost his home too. But it went up for sale and nobody showed up to bid and he found out that is pretty common to happen.
It took them another 90+ days to kick him out.
He did not want to save it anyway.

[AngelinaCatHub]

I have good news!!

I don't need a discharge and i am not looking for one! What i'm looking for its time! so a refile will give me 30 days or so. Thanks for the idea!

You learned a lesson.

1. You are, or have, committed fraud in a Federal Court system attempting a bk that you apparently do not need.

2. You attempted fraud by stopping payments you state you could afford, just to force the bank to deal your kind of way.

3. You are now attempting to get information to allow you to commit fraud, to aid you in buying time.

4. Foreclosure did NOT happen over night. You had to be sued first be Lis Pendence and other documents. You WILL be sued again, it is called a notice of eviction. You will have 30 to 60 days to vacate.

5. The money you held back could have been used to get legal advice and then you could have paid a person to tell you what about ten people here have told you, today.

6. This is reminiscent of a flim-flam, and it is you who have been fooled. When all else fails, follow directions. You did NOTHING right.

I have a very big heart for someone down and out. I personally have no feelings for the problems you have caused yourself as they were self induced with what I suggest was a bit of larceny in your heart. Now the day before "Judgment" you are asking the World for a miracle.

You love your house, that is apparent. You stated you could afford your house. You purchased your house for what it was worth to you at the time. It does not matter what numbers mean, a house is not a 401K it is a place to live in and hopefully becomes a home.

Your good news is, you reaped what you have sewn and will, hopefully, learn from it.