Does the original homeowner receive excess funds in foreclosure sale when sales price exceeds 1st mortgage? Non-judicial.

No in this case there would be no refund to you in most states. The sale has to pay off the claims in full to pay the homeowner anything.

Am I responsible for an arrear mortgage payment that wasn't put on my bankruptcy petition now that my bankruptcy is discharged

A bankruptcy can be reopened and a debt you forgot may be added. You essentially have to pay the filing fee over again and an attorney will have...

Every judicial foreclosure state seems to have something like this. After the sale a judge normally has to approve the auction sale to prevent...

What counts as bad lending practices in a foreclosure?

Normally at this stage of the litigation your rights are few and none. The time to bring this up as a defense or any defense is at the beginning...

I have following questions: a) Can I record the phone conversation?

Yes the law in Kentucky allows you to record any conversation and use it as evidence.

Yes it happens all the time. The agreement you made to pay probably does not contain any clause preventing them from selling the debt or filing...

Can i get a V.A. loan after my chapter 13

Normally you are able to get a conventional loan or FHA loan 2 years after your bankruptcy discharge and 3 years after a foreclosure. I am not...

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What am I looking at if I took my grandmas debt card an used it for maybe a lil more than $1000 over a 7 month period?

In my state of Kentucky you would be looking at 1-5 years in prison. They would probably 90% of the time require restitution and you repaying the...

I'm working debt recovery program for my credit card debt. I have been making monthly payments as it is taken out monthly from

If they are planning to place a lien against your home then they have probably already obtained a judgment. Get the best attorney you can find for...

Can I receive court documents from a creditor instead of the courts for a law suit and summons to appear in court?

Although the lawsuit is filed in the court the lawsuit must be served by the plaintiff. This happens by the creditor sending out the lawsuit in...