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mary | Ohio foreclosure? please help? |
can someone please give me a timeline? our last payment was due on march 15th.our mortgage is with chase bank.my husband lost his job and theres no way we can pay for this house.i just want to know what is the timeline? how long will it be before the sherriff shows up and throws our stuff outside? ive heard anywhere from 90 days to 8months.does that mean 90 days after they file foreclosure or 90 days after our last payment was due??? im really freaking out here,we have 3 kids and no options.i need a definitive answer,please.
has anyone in ohio dealt with chase bank thru a foreclosure? ive also heard it depends on the bank.were gonna try and sell it but the housing market is real slow right now and the realtor said it could take up to a year to sell or longer.thanks to all that answer.mari |
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Darin Frantz
 |
Basically you have about 8 months from the issuance of the NOD (notice of default). This is the suit that is filed with your local court to begin the foreclosure process. Once they file that you have about 8 months.
They will typically issue the NOD 90 days after your first missed payment. Please note that there is no redemption period in Ohio so if the property goes to auction it is gone.
Also, that even of they have issued the NOD and anywhere after up until the day before the sale date, the Mortgage Company will still be willing to negotiate with you to stop the foreclosure. You have to show them you can afford the property and they will be willing to work something out with you. Chase is very good about accepting a Loan Modification where they will put most of the past due amount at the end of the loan. |
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2Cute2B4Got
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I have been there do not panic. There are some things that you can do. You just missed the payment, it has not even been thirty days yet, you still have some time. The first thing to do is to call your mortgage company and see if there is something that can be worked out temp, until you and your husband figure things out. Maybe they can suspend payment for 60-90 days, yopu do not know unless you ask them. Also, there are charity organizations that can help you on a month to month basis, start by going to your church or a local church to see if they can help or if they can point you in the right direction. If you do nothing, after about 45 days, you will recieve threatening letters and phone calls from the mortgage company. If you still do nothing, the sheriff will come to your door and put a sign on it or hand it to you if you are home stating that you have so many days to vacate the property and that your home will be autioned off. Even at that point, you can delay the eviction by getting a lawyer and filling a backruptcy, that will give you some additional time. But before going to court you have to have a plan on how to repay the backpayment and keep current to keep your home, if that is what you want.
I filed bankruptcy, then finally God stepped in before I went to court and gave me a job that alloweed me to show good faith that I could go on a payment plan and make the payments. I happy to report that today I am bankruptcy free and I still own my home.
But, I ran from my mortgage company, I never called them, because I was embaressed and afraid. I had never been in that situation before. By the time the mortgage company caught up with me, the problem had snowballed and we could not work anything out. So try to call them today and see if they can help you work out something.
Good luck. I know in my heart and please know in yours, that regardless everything will work out for the best. |
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joann t
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Don't worry about the sherriff showing up. There is a way out and I can help. E-mail me at tal337@yahoo.com |
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Janet P
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Don't accept help from Premier Loan Sharks.
That said, call Chase, they may let you pay only interest for awhile. They will not foreclose if you are trying to sell the house and may let you short sell it (sounds like what you need to do).
You are along way off from being on the streets and you should be able to work something out. |
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curt s
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Yes, there may be options. It only takes 10 minutes to find what services can be utilized. |
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boston857
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Why would you wait for foreclosure? Call your bank RIGHT NOW and talk to them about the change in your circumstances...they may be able to work out an arrangement that fits you e.g. convert your pymt to interest only for a short term etc....CALL THEM, and pls. don't wait for foreclosure...there are also a variety of investors who will assist home buyers in similar problems........ |
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Ken
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Banks do not generally refer a mortgage to foreclosure for 90 days. That means the bank will attempt to collect the past due amounts for 90 days and then refer it to a local attorney for proceeding to foreclosure. After that, the time frames vary based upon location but can be as fast as 90 days and as long as 2 years. In most states you have a minimum of 180 days from the time of your last payment until you are evicted post foreclosure.
You should contact the mortgage company right away. There are programs that will get you through this without a foreclosure. I realize it is difficult, but avoiding the situation and just trying to ride it out is the worst thing that you can do. You will need a place to live regardless and it will be difficult to rent and almost impossible to purchase with a recent foreclosure on your record. |
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Marty S
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Shoot me an email, Mari. I may be able to help.
Marty
msmith@premierloangroup.com |
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plzpatience
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Please don't just wait to be driven out of your house. If you consult with foreclosure agent there should be a way out. Even if you can't stay at your house you might have a chance to get a place to stay. Please don't just wait. |
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