Greetings, I am sorry to hear of your situation. Yes, contact your servicer immediately. The more time you what, the attorney fees may be added. If you submit a payment and request a modification, it may help provide a long term answer to your issue. Call the servicer, make your payment, if you are capable. if not, contact the servicer and request a modification, there are strict timelines in these cases, please act fast. Best of Luck- Brandon L. Wyatt
In order to accomplish this, you will need to bring the mortgage completely current. They will not take payments. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced IN mortgage foreclosure defense attorney. Use AVVO's Find a Lawyer tool to select a qualified attorney. Good luck.THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
If you found this Answer helpful, please mark it as "Best Answer" Please be advised that the answer above is only general in nature cannot be construed as legal advice, given that not enough facts are known. It is your responsibility to retain a lawyer to analyze the facts specific to your particular situation in order to give you specific advice. Specific answers will require cognizance of all pertinent facts about your case. Any answers offered on Avvo are of a general nature only, and are not meant to create an attorney-client relationship.
The short answer is "yes, probably". Once you have been delinquent on your loan for over ninety  days, a lender will often "accelerate" your mortgage - meaning that the lender will not accept any less than the total amount of the loan as payment. With this being said, lenders frequently call off the foreclosure if you bring your mortgage account current.
You might consider speaking to an Indiana-licensed attorney regarding this matter, given that you'll want to avoid a situation where you make a big payment that does have the desired effect of stopping the foreclosure action currently before you. If for anything, you'll just want to make sure that your payment will be used to bring the mortgage current, should you choose to make this payment, that is.
Good luck with your case!
Good luck with your case!
Jonathan D. Warner, Esq. is an attorney and licensed to practice in the State of New York. This answer is provided for informational and/or entertainment purposes only. It should not be relied upon as legal advice, which can only be offered to clients in an office consultation setting, after all of the facts and circumstances of a case or controversy can be fully considered and reviewed. No attorney-client relationship should be inferred by virtue of any answers posted. We are a debt relief agency and help people file for bankruptcy.
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