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My house already sold at auction is there anything that can be done?

February 21, 2007

Indiana foreclosure

This is an actual comment from a client:

"The house was auctioned off but Countrywide bought it back. I have some one to buy it but they dont know. Is there anything I can do?"

Unfortunately if your house has already sold at auction there is nothing that can be done unless your state has a redemption period. If your state does have a redemption period you will have time to buy the house back from whoever purchased it at the auction. Check out our state foreclosure pages to determine if your state has a redemption period.

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I need a repayment plan I can afford - December 26, 2007

Comments

OK.... I filed Ch. 13 BK with my unbelievable incompitent attorney. To make a long story short.... I did everything he asked and gave him everything he needed in MORE THAN ENOUGH TIME to file.. BLAH blah BLAH.....he got lazy, stupid, or something...and didn't get the BK filed in time before the foreclosure happened on the court steps of my home.... Am I totally screwed or has anyone heard of Lenders or Banks willing to work with "JUST SCREWED" PRIOR borrowers. I understand that this "emotion" case against my current attorney is and will be handled in a totally seperated malpractice suit.... I am just currently focused on seeing what I can do with my current lien holder (and they did bid highest and still hold lien) in order to work something out.... I am not sure how any payment plan, hardship letter, etc. would work since I am actually not even tied to the property what so ever anymore...

Any advice or help would be greatly appreciated.... This is truly a unique situation that this donkey has got me in and I am at a loss... I am a single mother of two, and I am starting to panic because the eviction process is about to start and my attorney "seems" more interested in "trying" to get me to sign the Ch. 13 Bk with 2 autos and a little un-secured cc debt to finalize the BK, but that is crap!!!!!!!!!!!! 95% of my reason to even file the CH. 13 was because of my mortgage. Please HELP... Thanks.

Melisa

Posted By melisa on July 13, 2007 at 11:58 AM

My advice to anyone who's house sold due to the incompetent work of an attorney is to find another one to straighten it out. You may get the judge to set aside the sale of the property.

Posted By Darin on July 19, 2007 at 08:20 AM

I have been trying to get my home back in order before foreclosure. I truthed someone who claimed they could help me and they let my home foreclosure on me. I have been trying to get the company to work with me. I am still living in the house mortgage free almost 20 months because the company refuse to do the right things by me. I will fight until the end.

Posted By mame wade on September 04, 2007 at 06:50 PM

I was waiting on an approval from the loan modifacation dept with Chase. I found out through another source my home would be sold on July 28. I just received my letter July 25, saying I was denied. I wanted to try to do a short sale Chase would not stop the auction.

Posted By frances rainey on July 26, 2008 at 10:23 AM

I was waiting on an approval for a loan modification from Ocwen Loan Servicing. I received a visit from Benchmark realtors to inform me that my home has been foreclosed and my family and I have 14 days to move. They never responded to my request of a modification.

Posted By Sonya Stennis on August 06, 2008 at 03:49 PM

HI, i FOUND THIS LISTING IN A SUNDAY PAPER THAT WA UNDER LEGAL NOTICE. I tried everything to find the owner to see if she would sell it to me and allow me to buy the property for 10 grand plus pay off her 30 thousand in taxes which is what it was foreclosed for. she is in total dream land saying my house wont go up for auction--- ahh reality check--- the auction is 2 weeks away. anyway she said she wanted me to go get a loan for a mortgage for 225,000. and buy the home. I tried to explain I did not think the house was hers but the tax peoples, she just said I wont let this home go for less than 225000. Will I be able to get a mortgage on a home that has been foreclosed for taxes. and if so is it legal? I don't think she has the money or resources to save this home so me offering her an extra 10,000. was more than fair because at the auction she will get nothingand the home will go for what she is asking but she won't se a dime of it. Can she save her home, and would I be able to get a mortgage on it?

Posted By FEL on August 23, 2008 at 08:10 PM

My parents were working with this comp to do a loan mod and they just got a letter with an auction dat of 15 days from today.. what can they do i dont think the co is doing the modification corectly or it wouldnt be up for auction would it? can we stop the sale at this point were in southern ca

Posted By gigi on May 19, 2009 at 09:32 PM

My house was brought back by my mortgage company at an auction back on 04/23/09. I was told that it would take 90 days for the house to be taken out of my name, but last I checked, as of 07/21/09, the house is still in my name. What should I do now?

Posted By Angie on July 21, 2009 at 08:36 PM

I am working with a company to try and modify my existing mortgage. My family has had some hardships over the past year, illness and losing income. We tried to keep up with the mortgage but realized that we were exhausting our reserves and hired a company to help. Ten months later I've gotten a notice that my home will be up for auction in just over two weeks. The bank's loss mitigation dept is telling me that they have not had contact with t company since Feb 09 by the comp is telling me that the last contacted the bank on July 17, 2009. I will be going today to review the file that the company has been keeping on their activities hoping to find out the truth. Besides that what else should I be doing to try and save my home. I have steady employment and my wife is set to begin a new full time job 6 days after the current sale date. I thought that there were new programs available that were supposed to help families stay in their homes.

Posted By Andre on July 24, 2009 at 11:20 AM

MY OUR HOUSE WAS REPROCESSED AND SOLD AT AUCTION IN DEC 09 WE STILL HADNT BEEN TOLD THIS UNTIL WE FIND KNEW OCCUPANT ALREADY MOVED IN AND NEIGHBOURS TELLING US IT BEEN SOLD BECAUSE WE DONT ACTUALLY LIVE IN THE SAME TOWN.WHAT WE NEED TO FIND OUT NOW IS HOW MUCH IT WAS SOLD FOR BECAUSE WE HEARD DIFFERENT TO WHAT THE MORGAGE LENDERS ARE TELLING US AFTER WE CONTACTED THEM AFTER HEARING ABOUT IT.UNTIL THEN THEY HAVE NOT EVEN FORMED US ABOUT ANY SALE WE RUNG WHEN WE HEARD NOW THEY TELL US WE ARE IN A SHORT FOR OF APPROX £6000 WHICH ARE MORE OR LESS ALL CHARGES AND FEES. PLEASE CAN YOU LET US KNOW HOW TO FIND OUT HOW MUCH IT WAS ACTUALLY AUCTIONED FOR.

Posted By RAZWANA WAHEED on March 22, 2010 at 04:27 PM

my boss just lost his house after 24 years. the bank (wells fargo) said they would work with him. he has been in this community and self employed there for 24 years. they worked out that his payment would be 1207.00 a month instead of 1949.00 & he had to keep up with the payment monthly. so we did for 3 months & then he got a letter saying his house would be auctioned march 15th. he hired a lawyer and they got a hold of the bank the person there said they would stop the sale & to expect a e-mail. 12 minutes after this call they never got the e-mail & they got a call stating the house was sold! what the hell is going on out there? this loan mod. is for the birds & doesn't help the person in trouble just the banks. he had so much equity in the house that the banks saw the $ they could make & sold it.

Posted By julie on April 21, 2010 at 10:34 AM

my private lender played game on me and refuse to take the monthly payment and she fieled on forcluser and she refuse any deal with her and the judje order a auction sale on my house to give her back her money iwant to keep my house and iam willing to pay 8% any body can help befor nov 9 /2010

Posted By dine on October 16, 2010 at 01:05 PM

oh my God what is happening in the usa i wrote to Oboma to day see what he thinks i am going though the same thing thinking the banks and making home afforabel were trying to help but they just helped the banks take my home been in the house for 30 years we should write to the white House every day i am doing that now and Hud and any body that will gave me a answer God Bless any one that had there house stolden from them

Posted By kathy on January 05, 2012 at 08:13 PM

Ps the bank still sending letters to call them in 20 days I so upset but still have the love of my kids and husband and family, if any one can help us i would love to hear what you are doing i know it takes money right and then some time that is not enough God Bless take care of you. kathy

Posted By kathy on January 05, 2012 at 08:18 PM

will call the bank and they are so sorry and MHA too. no help to fine out if i have any rights to stay in home for a few months to move 35 years of stuff good luck God Bless us all

Posted By kathy on January 07, 2012 at 03:28 PM

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My house already sold at auction is there anything that can be done?

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