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I filed bankruptcy and it finalized a little over a year ago. Can I file again on my home only? Filed chapter 13.
Is there any way that if my friend gets the morgage in his name only, can he legally give my a seperate morgage through himself so that I can get the homestead exemption and all that goes with buying a home.
What is the Florida Foreclosure Time Line?
When you buy a house in Bradenton, Florida with borrowed money, your lender will place a lien against your property by using a Mortgage or a Deed of Trust. The Deed of Trust or the Mortgage is recorded at the courthouse telling the public that you owe them that amount of borrowed money. You will sign a Note, which you personally guarantee that you will pay the borrowed money back to the Lender.
FIRST MONTH: Sellers get behind on their first payment. They receive a letter from the lender advising them that they did not receive their payment.
SECOND MONTH: Sellers get behind on their second payment. They receive a letter from the lender advising them that they did not receive their payment and they need to remit a payment promptly.
THIRD MONTH: Sellers get behind on their third payment. They receive a letter from the lender advising them that they did not receive the payment and that the lender has forwarded this file to the Attorney. The Attorney will start foreclosure proceedings if the seller does not pay.
FOURTH THROUGH EIGHT MONTH: A Complaint for Foreclosure Summons and a Notice of Lis Pendens is filed with the Court advising the public that the Sellers are in foreclosure.
After the sale, there is a 10 day waiting period after the foreclosure sale before Clerk issues Certificate of Title. At that time the new owner can have the Sheriff show up and set the old owner's possession out on the curb. The lock's can be changed and old owner would be trespassing if they go back into the house.
Might be more like a year if they have a bunch and are backed up.
I live in Riverview with courts being in Tampa. Should I assume the same procedure works in the tampa courts as well?
If I take everything out of the house, light fixtures, appliances, etc. before leaving, is there any problem with this?
Also, if I rent out the house until the 10 day waiting period is this a problem?
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