On 12-8-1012 i was approved for mortgage re-instatement yet BOA has proceeded and i was given a sale date on 4-6-13 for May 8,2013.Can I stop this foreclosure sale at this point.
Why would BOA ignore the fact that these funds are available after 27 months of my diligence to get this GRANT APPROVED ?
It is now April. If you were approved in Dec., why is the loan not reinstated ? That seems to be where the issue is.
You should consult a knowledgable attorney who understands Chapter 13 proceedings and foreclosure. The Middle District of Florids bankruptcy court has a good foreclosure mediation program. If you have a source of reinstatement funds, a properly crafted plan and mediation is probably your best shot.
Please note that the above is not intended as legal advice, it is for educational purposes only. No attorney-client relationship is created or is intended to be created hereby. You should contact a local attorney to discuss and to obtain legal advice.
It may be that hardest hit paid your mortgage payments for a period, then the default continued. This may mean that the bank could get its math wrong in calculating a correct default date, or may not correctly offset the judgment amount by the amount already paid. You should have a foreclosure lawyer review the math and the situation in more detail. Also, consider modification. I have had clients approved for modification after florida's hardest hit paid some of my client's mortgage payments.