Questions answered by Joseph Arthur Roberts

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Can a forclosure be stopped if its scheduled for auction in 30 dayz

Joseph's answer | Answered on January 09, 2015

While bankruptcy or pursuing a TRO can stop a sale, it may be possible to stop or postpone the sale without filing a lawsuit or a bankruptcy. ...

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Non Judicial Foreclosure -- Does a lender have to have an Assignment of Deed of Trust recorded with the County Recorder

Joseph's answer | Answered on January 08, 2015

No. Nor does the lender have to "show you the note" in California under our non-judicial foreclosure scheme. Sugar free reality: Stop looking...

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Best way to get interest lowered on an existing mortgage with bad credit?

Joseph's answer | Answered on January 08, 2015

Interest rates reflect risk to the lender and you have demonstrated that you are a risky borrower. Your creditworthiness will not improve...

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Does Bankruptcy protect me from short sale deficiency 2 years later?

Joseph's answer | Answered on January 07, 2015

You will get a 1099 but you can exclude the income using form 982 and a copy of your discharge when you do your taxes. You should also be able to...

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Is there such thing as a One Time Mandatory foreclosure Sale Postponement? What is the corresponding Civ Code Section?

Joseph's answer | Answered on January 02, 2015

While there is no "last resort" section in the civil code...there are other ways to cause the postponement of the sale and perhaps save the home. ...

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My name is on the deed as well as my ex-husbands, the house is going into foreclosure what are my options?

Joseph's answer | Answered on December 31, 2014

There are provisions of the Home Affordable Mortgage Program that allows heirs and other title holders to apply for modification. The family law...

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If a House is being foreclosed on, are the home owners allowed to enter a "Conditional Acceptance Upon Proof of Claim"?

Joseph's answer | Answered on December 31, 2014

Stop looking for a silver bullet online and address the problem directly. The devil is in the details but you need to drill deeper into whether...

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What are the consequences of not paying a second mortgage in California? What is my best option to remedy the situation?

Joseph's answer | Answered on December 31, 2014

The devil is always in the details, A refi is not an option unless you pay down the debt. You always have the right to pay as agreed and honor...

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How long will my house be in foreclosure until bank sells in CA? Is there a way to reduce foreclosure fees?

Joseph's answer | Answered on December 30, 2014

The answer is yes...its possible. But the devil is in the detail. Choosing strategy to get the result you want is the first step. This forum...

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My husband and I have a home in foreclosure and I need to make sure I was deeded off of the property.

Joseph's answer | Answered on December 17, 2014

Rule number one: Don't trust what bank agents say on the phone. If you never signed the Note...you have no liability. You may have co-owned the...

Joseph Arthur Roberts's Answers (594)

Can a forclosure be stopped if its scheduled for auction in 30 dayz

Non Judicial Foreclosure -- Does a lender have to have an Assignment of Deed of Trust recorded with the County Recorder

Best way to get interest lowered on an existing mortgage with bad credit?

Does Bankruptcy protect me from short sale deficiency 2 years later?

Is there such thing as a One Time Mandatory foreclosure Sale Postponement? What is the corresponding Civ Code Section?

My name is on the deed as well as my ex-husbands, the house is going into foreclosure what are my options?

If a House is being foreclosed on, are the home owners allowed to enter a "Conditional Acceptance Upon Proof of Claim"?

What are the consequences of not paying a second mortgage in California? What is my best option to remedy the situation?

How long will my house be in foreclosure until bank sells in CA? Is there a way to reduce foreclosure fees?

My husband and I have a home in foreclosure and I need to make sure I was deeded off of the property.