I Made Payment Arrangements With Mortgager Do I Still Answer Claim To Foreclosure Court?

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I Made Payment Arrangements With Mortgager Do I Still Answer Claim To Foreclosure Court?

We received paperwork from the bank about the filing for the beginning of the foreclosure process. We submitted a hardship letter and an answer to the mortgage company, along with payments for the bulk of what was past due. The mortgage company agreed to a payment plan.

Do we still answer to the court, or will the mortgage company do it themselves? Does the mortgage company stop the foreclosure process itself, or will we still have to respond?

Mortgage Foreclosure Answer:

by Mortgage Foreclosure Expert - Dan North

If you received a notice or summons from the court with a time and date of a mortgage foreclosure hearing, go to the hearing. You should bring any letters you received from your lender as well as a copy of your response, hardship letter and any repayment plan that your lender agreed to. It would also be good to bring copies of any canceled checks showing that the lender received payments on the past due amount and any payments on the repayment plan as agreed to with the lender.

If you have not received a notice or summons from the court regarding mortgage foreclosure proceedings then there is not a hearing that you should be at. This does not mean that the lender halted the foreclosure proceedings. Most likely they will continue the legal steps required to foreclose but not make the final filing required to schedule a mortgage foreclosure sale of your home, as long as you are current on your repayment plan.

If you again become delinquent your lender will continue the mortgage foreclosure process from the point the lender stopped the mortgage foreclosure process.

The mortgage foreclosure laws vary from state to state and you should check the mortgage foreclosure laws for your state.

You May Qualify For A Mortgage Loan Modification

If you cannot afford the repayment plan monthly payments then you should apply for a loan modification.


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