Hi, my name is XXXXX XXXXX I will do my very best to Answer your question
I am sorry to hear that your Attorney poorly represented you,
"1. how long can I stay before they kick me out?
2. Cash for keys an option?
3. Whats the likelihood that the bank will rent it to me through the end of summer? I would like to stay in it through the end of summer, I'm planning on moving out of state but not until my daughter graduates.
4. And most important, I know I live in a non-recourse state, but can the lender sue me or make me pay for their lawyer fees in fighting this lawsuit?
5. How do i dismiss the case or get out of it and protect myself from having being stuck with attorney costs from their side? WITHOUT filing a BK
1. Since the lender is now the owner of the house, they can ask you to leave at any time. There is no "grace period" or any length of time that the law gives the former owner in foreclosure proceedings. Once the house is sold, the new owner (here, the lender) can serve you with a 3-day notice to vacate and if you do not, the lender can start eviction proceedings immediately. Depending on how diligent the lender is and how busy the Court calendar is, the lender can have you removed from the house in 30 to 40 days;
2. Cash for keys is an option, but only if you act quickly because if the lender is put to the trouble of going through eviction proceedings, they will not be in the right frame of mind to agree to anything with you;
3. Lenders who have gone through foreclosure proceedings and wind up buying the house because nobody else bid high enough to buy the house should be receptive to renting the house to you. Although lenders do not like holding on to houses, if it is going to sit in their inventory, they would prefer that it generate some income until they get it sold. I would not be giving you an honest Answer if I told you definitively that they would rent it to you until the summer, but you could negotiate with the lender and tell them that you would cooperate in showing the house to any prospective buyers. This would make them more receptive to renting you the house. You can also tell the lnder that the house would be less prone to vandalism if it is occupied rather than allowed to remain vacant;
4. The lender cannot sue you for Attorneys' fees related to the foreclosure. But, if the lender incurs fees in trying to remove you from the house, these Attorneys' fees no longer relate to the foreclosure and the lender would be granted these fees;
5. If the lender has bought the house at the foreclosure sale, the case should be over and there should not be any additional Attorneys' fees; if there is, please explain and I will be glad to explain further,
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