Wrongful foreclosure may be a defense, but whether it's available depends a lot on the facts involved. If you haven't been paying your mortgage payments since 2010, at some point there will almost certainly be a judicial foreclosure of your property. Because you've already filed bankruptcy, there's no fear of a deficiency, so you might be in a good position to get a cash-for-keys offer or to see how far you can delay the process. Many more details are needed before anyone can give you better advice. If you haven't had a meeting with a lawyer yet or lately, you should set one up, especially if there's already a foreclosure proceeding in the courts.
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I think the question your asking is: How do I keep my house for longer? The answer is hire an attorney to defend the foreclosure or file a chapter 13 repayment plan and cure the arrears. The payment plan will allow you to keep your home in the long term by bringing you current again. The foreclosure defense will likely net you more time and a chance at negotiating a modification with the lender's attorney. Either way, you should contact local counsel and sit down for a free consultation to determine your options. Good Luck to you.
This information is not intended to create an attorney-client relationship. Please consult with an attorney in Oregon before making your decision.Ask a similar question