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 » Foreclosure Process in Nevada (NV)

Foreclosure Process in Nevada (NV)

Topic: Foreclosure

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Prawa
Hi,I am new here and have spent the past two days reading it's a great reorcsue to have found this site and to have read your stories, to see that I am not the only person who is going through this nightmare.I apologize for the length of this, but wanted to tell my story and see if anyone has been here and knows what I can do.I have been trying to get a loan modification with Bank of America since July, 2009 . This is the status of my case right now:1. It took until October for them to have received my information, as the first two people I spoke to listed different criteria and the second gave me the wrong fax number to sent it all to I only found this out when I had called after about a month (after second submission of documents) to see what the status was, if I needed to do anything. They then gave me another list of documents and the correct fax #.2. Received letter in October that they received my information and would inform me within 60 days of any information.3. Called about a week ago, the woman on the phone told me that there was no information. As I am pretty desperate at this point since my home has been in foreclosure for months as BAC told me NOT to make any payments, and she told me that if I sent any payments, they would return it, as my home is in foreclosure status, and that I just need to wait. Also told me that a negotiator was assigned at the end of December.4. Called again today, as I received a notice in the mail (and also saw it posted online for anyone to see) notifying me that I have until 2/22/2010 to notify the court (myself or via attorney) with an appearance if I am entitled to the Servicemember Civil Relief Act (which I am not) and think I have a right to object to the foreclosure.5. Called BAC again, and the woman I spoke to today told me that I am IN A TRIAL PERIOD that started January 1, 2010 that was when my first trial payment was due! It is for 3 months so I paid the amount that was due the first, and scheduled payments for 2/1 and 3/1.6. I asked why I wasn't notified, and was concerned that I didn't get this information she told me the documents will come within 45 days of January 1st to notify me of the trial period. What I am confused about is why at that point two of my trial payments would have been outstanding. Since I was not notified, they accepted my first payment late as on time (she said).7. I told them about the notice I received, and she said that the foreclosure date was pushed out to 3/10 which is after my 3-month trial period ends . And supposedly a decision will be made. If this is true, why was this document delivered to me YESTERDAY telling me that I have until 2/22/2010 before I lose my home, especially if my TRIAL period started January 1?? This court decision was just delivered.The problem is that I have no documents to back this up. I can't confirm besides the word of the phone rep of the day that my foreclosure date was postponed. Do I call a lawyer? Do I call the lawyer of the plaintiff (which is listed as BAC) to notify them that it was postponed? I don't understand the trial period if they are giving me a trial period, and I make the payments on time, I am still going crazy at the possibility that they may reject the modification. If you succeed in making your payments during the trial period, how can they still deny you, and if so what was the point?If they deny the loan modification, will they demand the full amount owed since you stopped making payments (at their advice), or will they just go back to the previous monthly payment amount, and roll the rest of it on top? I owe $16,000 since I stopped paying at this point if I am not approved I will be out on the street. I have lived in my home 3 years, am 30 years old and alone, and am a first-time home owner. This really is my worst nightmare.Given the court notice, and the trial period information that I only stumbled onto by accident because I called them twice this month hoping for some information, what should I do now? How can I be sure that the postponement of my foreclosure is for real? From this notice, it does not look like the city knows about it. How do I respond to this court notice what should I do?I appreciate you reading this, and from someone who has not been able to sleep in months and is pretty much stressed out to the max now 24/7, I hope that you all have the best of luck with this horrible nightmare and that we are all able to stay in our homes.Thanks,Jax.
read more... 12/17/2012

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