Continue to pay rent to the property owner/landlord until a judge orders you to pay to someone else.
The property owner may save the property before it goes to a foreclosure sale. If the property does go to a foreclosure sale, you will have rights as outlined in the 2009 federal act Protecting tenants at foreclosure. The new owner would have to honor your year long lease or give you 90 days notice that they are intending to live in the property and you have 90 days or more to vacate.
File a copy of your written lease agreement with the clerk of courts. Write in the foreclosure case number in the upper right hand corner of the lease agreement. Take or mail a copy to the clerk of courts. mail a copy to the plaintiff bank/mortgage company. Mail a copy to all other parties. This will put all parties on notice that a tenant resides there and the judge should not issue a Writ of Possession.
Pay the landlord until the sale takes place. After the sale takes place, the clerk will wait 10 days before issuing a certificate of title. Once title passes, do not pay the landlord any more money as they are not the owner of the property anymore.
The Protecting Tenant at Foreclosure Act protects tenants.by allowin them to stay to the end of the lease term, and you would pay the new owner.
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