Foreclosure is a highly technical area. The fact that you are having so much trouble presenting the facts in this complex situation proves that there is no way you can or should represent yourself. The fact that the bank is in effect offering to make a deal with you proves that they have some exposure. Most likley they know that their foreclosure may not stick. What it all adds up to is that you need a lawyer with expertise in defending foreclosures. I don't know how such a lawyer could work on a contingency but you could ask. If you have to dig down to pay a lawyer, it will probably be money well spent. It seems that the alternative is that you lose your house.
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I know where you are coming from, since I see so many of these wrongful foreclosure cases. Unfortunately, however, borrowers in such lawsuits rarely win.
Therefore, it would be best to settle and move on. Even as a contingency fee case, you don't have much of an upside. And if you lose, you may end up paying the lender's attorneys fees and costs.
If you desire to know why these cases are tough, see:
Frank W. Chen is licensed to practice law in the State of California only. The information presented here is general in nature and is not intended, nor should be construed, as legal advice. This posting does not create any attorney-client relationship with the author. For specific advice about your particular situation, consult your own attorney.
I agree with the above answers that you should search for a lawyer in your state who deals with foreclosures, and at least get a free consultation to discuss all the facts and circumstances.
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