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Ok last year my mom had to send in papers to chase that state that chase would figure out payments for her since she didn't have job well when she went to the bank and sent the papers well chase ends up call and said that their gunna start foreclosing on her because they never received the papers so they started the foreclosing and we were all pissed because she knows she sent the papers and so does the bank but she called the state governor and he stopped the foreclosing, but last month chase mortgage calls her and said she has till june 10th to pay like 90k to keep the house well non of use have that kind of money and last year when they started the foreclosing their was no bids at all and now they come and tell use they bought are house...WTF, the bank and my mom didn't know till last month, she had like 3 plans, try to get a loan from the bank, see if the bank can buy it and she pays them back or sell the house, well she tried the first two and that took awhile and didn't work so we would like to sell the house but we only got 10 days left and non of think its possible to sell it that quick, idk if she got some other plans but what can we do? and i don't think she ignore their calls either.
No one was ever guaranteed a loan modification. Yes, there were talks about banks offering them, but it wasn't in the banks' interest to do so. Your mother's not having a job would have disqualified her anyway. From your post, it appears she has lived in her home for a a year without making payments, essentially living rent free. As far as selling the house, that's not a viable option in a housing slump.
Let me take your questions line by line....What papers did your mother need to send in to Chase? And did she send them certified mail return receipt? (she should have). And did she send copies or the originals? And what address did she send them to? Depending on what those papers said a foreclosure might be able to be stopped by her attending a court hearing and providing those oridinal documents. If the governor stopped the foreclosure then there must be some letter from him to your mom that your mom can use as proof in court. I have no idea what any of those documents said and you don't tell us either. Perhaps a real estate attorney would help you work this out. Or a real estate attorney could ask their attorney how to handle this situation, the problem with them is they take too long to get back to you. Lots of people have lost their homes over this past few years. So I'd suggest that you start cleaning out that house, throwing out things you don't need or want anymore and put what you do want into a storage unit. Then when the last day comes you can go to a hotel or relatives to stay for a couple of weeks until you can find an appropriate apartment rental. It used to be that because laws were stalling that people could live with foreclosure in their homes up to a year or more, but now the banks are buying up the homes and once they are bought out the people have to move. I suspect you could sue the bank for taking it over if your mom has made the payments and promptly. Again, I have no idea what the documents she had say so I can't answer further.
Try calling the National Association of Homeowner Advocates, www.naoha.org Found out about them through someone I know - they helped me for free no upfront fees and very helpful.. they had very knowledgable staff when I called in I tried for almost 2 years with BofA to get a loan modification and they got my delinquent payments caught up and reduced my payment down almost 40%. Tell your Mom to call 1 (888) 954 6736 she'll get PROFESSIONAL help for free,
What she needs to do is go down to a physically mortgage location so she can speak to someone pennsylvania PERSON. Usually that is the best way to work things out if you can deal with a live person. pennsylvania if that isnt possible she needs to call and speak to a live person on the phone about this issue.
Sue them. They almost certainly broke the law somewhere in the process. Most banks do. You just need to master the law and stand up to them. They will back down rather than have their foreclosure process subjected to EXPERT legal scrutiny.