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I am not an attorney so please understand that this is outside my expertise. But I don't believe that your position would be to foreclose if he didn't pay as agreed. I believe you would need to sue for
My guess the property will be bundled in a package and sold to another bank, or asset manage. This happens often. They cannot move the house, so eventually it will be up for sale. Contact a local real
While a second mortgage can foreclose this is a lengthy process. There has to be remedies to this. You should be able to bring the loan current. You need to talk to the lender and not some flunkie.
Whether you file Chapter 7 or Chapter 13, the automatic stay prevents auction at foreclosure. The auction and sale can be voided, at no cost to you. Unfortunately, because you filed Chapter 7, you
I am gong to need some clarification as your comments contain two sentences that contradict each other. You state that there was a lien on the home that survived bankruptcy and then in the next sentence

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