Bankruptcy chapter 13, missed mortgage payments

Yours could be a test case in our district. Don't assume you are out of the woods. Missing post petition payments where you are paying off...

What are our options as this is going to not only affect my husband but the family in the long run?

Notwithstanding the order of the family court, your husband is still a borrower and has rights and duties. He can pay the mortgage to prevent...

Absolutely. When or if they do is their decision but if no one bids at the sale, the second lender owns your home subject to the first mortgage. ...

If you can find a good one who wants to clean up a mess created by a non-lawyer.

Whats your question? If you are asking whether a second deed of trust (mortgage) still encumbers your property-even if the debt is charged off,...

when they send NOD they go to court or just recorder the default?.and which motion I need to file to star a complaint

In CA, judicial foreclosure is expensive, rarely utilized by lenders and involves court filings and proceedings. Non-judicial foreclosure is a...

What rights do I have?:

Your post raises many questions. Depending when your sale is...you may have several options. Its better to have a sit down with an attorney and...

Where do I ascertain a experienced attorney,knows unlawful foreclosures,securitization&banking laws,wins cases on contingency?

Having litigated foreclosure cases based on failed securitization, including the class action Bakenie v, Chae.... I can tell you that they require...

Did the trustee make a mistake by not filing a NOD and can I use that to gain more time to work on non-foreclosure options?

Verify whether the NOD was filed. If your loan mod app is complete, the Homeowner Bill of Rights requires the servicer to postpone the sale until...

I just got a job after being unemployed for a long time, no income for last year, can I file for bankruptcy?

Yes but its likely only a stall tactic. Filing a case is EZ, the work begins thereafter drafting your financial schedules and proposed plan. You...