“I’m really worried because I have not paid my mortgage in six months!

Vital Facts To Know The Eviction Laws

The Eviction Laws can be misunderstood by many homeowners and an Eviction Process can be really intimidating for many home owners in default. I received recently, a question from a homeowner in stress:

“I’m really worried because I have not paid my mortgage in six months. Can a police officer or the sheriff come for me and my family to take us out?”

Response: An EVICTION NOTICE SIGNED BY A JUDGE FROM COURT must be shown in order to legally take you out from your home. Nobody can do this without this notice. Check your Eviction Laws, though, because every state is different, so you need to know it very well. You can go to foreclosurelaw.org to find the legal rules for your case. Check also if your state is a JUDICIAL or NON-JUDICIAL system as this is very vital to know.

First of all, check the following points that are very common in a FORECLOSURE PROCESS for many states, although every state use to change the names for each one:

1.- DEFAULT: This period is between the first 30 days to 90 days being late in the payment of your mortgage.

2.- NOTICE OF DEFAULT: At 90 days without making a mortgage payment, you will receive from your lender a notification called in many states as “Notice of Default”. It will say that your lender will send your home for sale if you don’t pay what you owe.

3.- NOTICE OF SALE: Generally at 120 days late on your mortgage, a “Notice of Sale” will arrive at your home from a lawyer or a trustee telling you what day and what place will be the auction of your home. You still have the option to negotiate your situation.

4. – FORECLOSURE: After receiving the “Notice of Sale” your home will be sold in a public auction from two to eighteen months later, depending in your state. This entire period any homeowner can legally continue living into the property without making.........Read More Click Here!

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