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received no certified letter before foreclosure

Discussion in 'Foreclosure, Repossession, Auctions, Short Sales' started by msotas, Feb 16, 2009.

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  1. msotas

    msotas Law Topic Starter New Member

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    I never received a certified letter prior to my house going into foreclosure or prior to the bank buying it back. Is that legal or can I have the foreclosure proceedings reversed so that I can buy my house back. Is a certified letter mandatory in order for a foreclosure to legally move forward?
     
  2. dee_dub

    dee_dub Moderator

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    What is your jurisdiction?

    Was it a judicial foreclosure (declared by the court) or non-judicial (under power of sale clause in the loan contract)?
     
  3. msotas

    msotas Law Topic Starter New Member

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    non-judicial

    The foreclosure was not done in court. It was non-judicial.
     
  4. msotas

    msotas Law Topic Starter New Member

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    It did not happen in happen so I believe it was non-judicial
     
  5. dee_dub

    dee_dub Moderator

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    The lender is usually required to send a Notice of Default. Your state law might also require the lender to have sent a Notice of Delinquency prior to starting the foreclosure proceeding. If you received nothing from them, I would first suggest contacting them to see what their records show. If they in fact didn't send these, you might be able to have them start over because you didn't receive adequate notice.
     
    msotas likes this.

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