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access issues to my property

Discussion in 'Foreclosure, Repossession, Auctions, Short Sales' started by vcw4life, Jun 25, 2014.

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  1. vcw4life

    vcw4life Law Topic Starter New Member

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    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
     
  2. army judge

    army judge Super Moderator

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    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.
     
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  3. vcw4life

    vcw4life Law Topic Starter New Member

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    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.
     
  4. army judge

    army judge Super Moderator

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    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.
     
  5. mightymoose

    mightymoose Moderator

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

    army judge Super Moderator

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

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