foreclosed mortgage

[blum1176]

my home was sold at foreclosure auction of the 21 of this month. i would include the loan value and mortgage holder in my list of NON secured debtors correct?

[justbroke]

Yes. They would go on Schedule F. You'd list the amount as "contingent" and the value as $1.00 since you don't know of any deficiency at this point.

However, make sure that the title actually was recorded in the Bank's name. If it's still in your name when you file, then it's still your property and would need to go on Schedule A and E at a minimum.

[blum1176]

how do i find out if it is in my name or the bank's??

[justbroke]

how do i find out if it is in my name or the bank's??

Depending on where you live, there is usually an online "public searchable" database containing all property records. It's usually at the county level, but sometimes (in the Northeast in particular) it's at the municipal or city/town level.

For example, in Florida, the records are maintained by the County Property Tax Assessor.