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Foreclosure Questions

Foreclosure is a legal act that occurs when a lender tries to pursue a borrower in an attempt to recover the remainder of a loan. This is generally done by selling the asset that was used as collateral for the original loan. Most foreclosures are related to residential dwellings due to default on payments. When a borrower fails to make the payments on a mortgaged home, the lender will begin the foreclosure process. Below are some foreclosure questions that have been answered by Experts.

If my house is foreclosed on, will my bank take my car or put hold on my bank account? Also, how fast can I re- build my credit? I live in Ohio.

Ohio is known as a deficiency state. This means the lender can come after you for the remaining portion of the debt left over from the foreclosure sale. Usually, a lender will only seek payment if they know a deficiency judgment will offer collectability. If you convince the bank that you have no means of paying and that you will file for bankruptcy and have any judgment thrown out if they seek a judgment against you, the lender may not want to spend their time and money on a judgment if they think they won't ever be able to collect. In the event that the lender does pursue you, there are certain assets that are protected. All retirement assets and income is protected plus up to $3225 of the equity in your car. As far as your credit goes, if a foreclosure is the only bad mark on your credit, your credit should begin to improve within just a few months and you may be eligible for a home loan after two years.

My house has been sent to foreclosure. I am currently working with two different departments for a modification. I recently received a letter stating that there is a judgment of foreclosure and sale. Should I attend the court hearing?

It is extremely important that you go to the court hearing. It appears that while you were working on modifications with one department, another department sent this in for litigation due to a lack of communication between departments. There are two things you need to do: 1) Speak with the person that has been working on the modification and see if they can get a continuance to allow some time to get the modification completed. 2) make sure you go to the hearing. Ask for a continuance if you don't have the money for an attorney and also to allow you work this out.

Under Georgia law, does a foreclosure proceeding wipe out a Writ of Fieri Facias (FIFA)?

A foreclosure will wipe out the FIFA against the property in question; however the FIFA can be re-filed if you purchase another property. You should be aware that the creditor has the ability to garnish wages to enforce the judgment. So, while the foreclosure will stop a FIFA, the creditor can approach other methods to collect the debt.

My home has been in foreclosure process for over 1 year already. I checked the court system and it shows a FWOP is in place now. What is an FWOP?

An FWOP stands for For Want of Prosecution. This means that the court is requesting that the parties in a lawsuit move forward with the lawsuit or the court will dismiss the lawsuit. In this situation, you are a defendant and there is nothing for you to do but wait and see if the court will dismiss the case. In some situations, the lender may be working on a modification and will allow the court to dismiss the suit.

Foreclosure can wreck a credit score as well as create a horrible burden on a family. If you are in the midst of a foreclosure or fear that you may be affected by foreclosure and need answers you should ask an Expert. An Expert can offer solutions and legal insight to assist you in your current situation.

Ask a Lawyer

Tina
Tina, Lawyer
Category: General
Satisfied Customers: 8603
Experience:  JD, BBA Over 25 years legal and business experience.
4460311
Type Your Legal Question Here...
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Tina
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JD, BBA Over 25 years legal and business experience.
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Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
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Recent Foreclosure Questions

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    which court do I file an injuction or law suit for unfair business practice by my mortgage company to stop foreclosure activities against my property . is it state court, federal court, or magistrate court?
  • How do I respond to a Notice of Motion for Final Judgement

    How do I respond to a Notice of Motion for Final Judgement and Certification of Service of Notice?
  • I paid my reinstatement amount the day that I got back in the

    I paid my reinstatement amount the day that I got back in the country after being deployed for a few months. (I paid it 22 days early). Today I receive a notice in the mail saying their was a motion for summary final judgment of foreclosure and for award of attorneys fees and cost (that hearing was dated the same day I sent a certified check priority mail. It looks like they are saying that I now owe 177000.00 now but according to my knowledge and the info provided me today, there hasn't been set.. I am a disabled vet and I am now making plenty of money cover the hose payment wth no issues, but I have to keep this house or I wil lose my job...
    There has to be a way to make it work out where I can still pay y reinstatement fee, that I have alreayed sent it to t.l
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