Upcoming Foreclosures

please help foreclosure!!!!!!!!!!!!!!!?

my father in law just recieved a notice of trustees sale posted on the front of his house today. the sad part about he had the money last month to pay off he deliquiency. at the time of calling the bank they offer him application for a partial advance claim through HUD. and they said that they would be able to help him and he wouldnt have to pay the bank.so he excepted. he been late on his payment for 4 months now.he did have the money to pay the bank. i understand that ther is several of ways that the bank can help out. modify,repayment etc but he had the full amount to pay them back. here we are 1 month later getting letter from attorney's office to get some paper work to them in 20 days we called the lender they said dont sign anything your application is in process.well this form that the attorney wanted it arrive to his house with only 10 days left as of yesterday. today we walked outside and found a notice of trustee's sale on the garage. i dont understand. is the bank trying to help my father in law their really keeping out in the cold. this crazy.can anyone help. he called the bank and they told him to call his analist that has the application and her voice machine says there is a high volume of application unless yr home is two weeks from foreclosure leave a message. im really scared banks really can fool people around it happened to my brother they really gave him the run around he lost his home.someone help please.

Public Comments

1. Seek the services of bankruptcy attorney. That attorney can file a chapter 7 or 13 to freeze the trustee sale, and then work out whatever you need to do.
2. Father did not really pay everything that he was behind. If he had, there would not have been a notice posted on the garage. So he still owes them some money. You are right to worry. If the bank makes a mistake now, the house will be foreclosed. It won't help if the bank says "We are sorry". You need to go in person to the office of the attorney who sent you the 20-day letter. Explain everything that is happening. If the attorney says that he understands, you are making progress. He can now deal with your "analyst" directly if you give him permission. Otherwise, father has to be prepared to lose the house. The banks have 2 employees handling 900 "helping out" cases. They are swamped. That is why they say to leave a message unless the Trustee's Sale in less than 2 weeks away. The bank only works out agreements with 20% of the applicants. If Father really wants the house, get together all the money he owes and pay it. If you can not do that, get his stuff ready to move out..