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In spite of providing a title search in my response to the foreclosure, which included title documents, which proved the 2nd mortgage alleged in the foreclosure complaint was non-existent, which is in the court's file, the bank's attorney refused to correct the complaint by inferring that it was irrelevant since it had no bearing on the mortgage being foreclosed. I explained the inclusion of the non-existent debt was absolutely relevant because its existence in the complaint was preventing me from securing the money to settle up with the bank. I explained my intent to avoid a wrongful deficiency judgment and a future unnecessary legal battle. They still refused to remove the debt and sold my house at auction a year and a half after I filed my response, to which they never responded.
In addition they never responded to my modification loan application after telling me my documents were complete and satisfactory. What are my options?
Your answer confuses me because I know that reconveyance and rescinding are possible remedies for homeowners who have been wronged. I am still within the redemption time period.
My source of information mostly came from www.occ.gov on the pages posted regarding the INDEPENDENT FORECLOSURE REVIEW which ended up being scrapped. Even still, I received 3K dollars from the "AGREEMENT" and I want to spend it on an attorney.
Please explain how reconveyance works and/or why it's not a possible option for me to pursue.
I was checking in to see if you had any additional questions or needed more information. If so, please let me know. Thanks!
I didn't realize I was charged for two questions. How do I remedy this please?
You're the best!
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