I keep my records very organized, however the past 6 months I have been sick. My bank is at the stage of my foreclosure where they CAN enter Final Judgment. I just realized that they never sent an official notice of intent to foreclose. I have surrendered my condo in chapter 7 and got a discharge and I can't and do not want to save it. I do need time and eventually relocation assistance money I will negotiate with them for. There are 2 junior liens that survived so my bank has to go all the way through the foreclosure to get rid of the liens and get the property in their name.
I wrought them asking for proof of the notice a few days ago. What could I do and what could happen at this point? I could use more time. Might this backfire with any negotiations for relocation money?
I really hope that you have retained and are represented by experienced mortgage foreclosure defense counsel, but if not you need to retain an experienced mortgage foreclosure defense attorney right away. There is a way to block the entry of Final Judgment and possibly even a way to save your home, if that is what you want to do. In your situation, it is very important to have an in person consultation and document review. There are a substantial amount of unknown facts that prevent the best possible answer from being provided here. Pick the best lawyer you can find and remember one rule: a good lawyer is generally never cheap, and a cheap lawyer is generally never good so don't choose based on price.
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