access issues to my property

[vcw4life]

I moved out of my home a year ago due to medical reasons & could not afford utilities. My home has been in foreclosure since 2011. I have since gotten back on my feet & is trying to save my home by doing a loan modification. I want to move back in the property & they said I could because its still my property & foreclosure is on hold. I have been trying to move for 3 weeks now. The property was secured & I have no access. Can I just break the locks they have on or what? They keep saying someone will call to meet me there, but it hasnt happened. Today makes 3 weeks, I need to know what can I do

 

[army judge]

You don't want to break the locks.
You do want to see a lawyer in your county for real guidance.
We have no way of knowing where the foreclosure stands, neither do you.
A lawyer can find out where it stands.
Bankruptcy can buy you more time. A bankruptcy lawyer can explain further.
Talk to one, ASAP.

 

[vcw4life]

Thanks for your response. I heard from mortgage company and my modification is approved. Also spoke with property preservation and they said that they are going to charge $40 to come out and meet. Still havent heard from contractor that suppose to come out so im still locked out. I went by the property found that someone has broken into storage room that is on the house and stole all of the yard equipment i had in there. Is that part not considered for them to secure and how long should I wait on them to let me back in.

 

[army judge]

Thanks for your response. I heard from mortgage company and my modification is approved. Also spoke with property preservation and they said that they are going to charge $40 to come out and meet. Still havent heard from contractor that suppose to come out so im still locked out. I went by the property found that someone has broken into storage room that is on the house and stole all of the yard equipment i had in there. Is that part not considered for them to secure and how long should I wait on them to let me back in.

You never know if people are lying or telling the truth.
Giving that due consideration, see a bankruptcy lawyer.
Bankruptcy won't save the property, but it'll buy you more time for you to seek a permanent solution.
While you wait, see a BK lawyer Monday. You'll see that by filing BK EVERYTHING will be stayed. The mere act of filing a BK stops everything. It can't just cure the arrearage and get you back into the home. It can stop the foreclosure for a few months, the BK lawyer will explain it to you, and how much that process costs.
If you don't like what you hear, you can thank him or her a do nothing. The initial meeting will cost you nothing.

 

[mightymoose]

Bankruptcy is not really an option if seeking to modify the loan. Pursue that only if the loan fails.

 

[army judge]

Bankruptcy is not really an option if seeking to modify the loan. Pursue that only if the loan fails.

No, it isn't. But, it will keep the wolves away from your door while you're scurrying to find a refi lender.