I left my house in February 2013. I tried to sell the house, but couldnt. I tried to short sale the house, but they refused multiple offers at 125,000 (I owed 112,000 at the time). I asked in August 2013 that if they were unwilling to short sale, that they go ahead and foreclose on the house. The house was finally scheduled for auction in October 2014. They postponed. Then in November 2014. They postponed again. In the meantime, I have to pay over 200 a month for garbage service on the house (the stop-pick up fee) and the county has assessed over $1500 a month in fees for it not being to code. Wells Fargo is refusing to sell this house - zombie mortgage. Can I sue them? and where - I live in Seattle, but the house is in Sacramento.
If you don't want the house why are you still paying bills against the property? There is no way to force them to foreclose other than not paying the mortgage. You could provide them with a deed in lieu of foreclosure to speed things along.
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There is no way to force a creditor to exercise the creditor's rights on a property that is security for a loan.
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