If i have a deficiency judgement in a foreclosure....and dont have the money to pay it...how does that work....

The deficiencies can usually get negotiated as a settlement. Contact an attorney to help you negotiate it and cancel it once and for all

I am in negotiations for a loan modification. I was just served with foreclosure papers? what should my response be?

You should get an attorney to reply. Merely saying you are getting a loan mod is not enough

In the forclosure process, is there a difference with the standing of a HOA lien with regard to a refi 1st mortgage?

An HOA foreclosure is the association attempting foreclosure for nonpayment of HOA dues and assessments. They foreclose same as a lender. The...

Can a quit claim deed be signed only by the grantee if the grantor is not avaliable nor cant be located?

Without your brother you can only transfer your share

How long can BOA delay dealing with us through the use of an atty. in the foreclosure process??

A loan mod takes roughly 90 days to get the final approval. Have you called the lender to find out what your delay is? Ask your attorney for status

After foreclosure when can eviction process start.

Usually at trial the sale date will get set 30 dyes out. Once sold the new buyer can move for a writ of possession to have the sheriff remove you....

I would to cover yourself

If Citi sold it then they will no longer be the ones dealing with you.

Any attorney can prepare it for you. Make sure you pay appropriate doc stamps on deed

Can i legally quit claim deed the property back to the lender, file it and then send it certified mail to them.

You could but that would not relieve you of the debt