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#17
01-08-2007, 07:56 AM
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Glad to hear it! I know I trumpet that site like a broken record, but there really is no substitute for an attorney in many of the situations we see here.
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BEFORE YOU SEND ME A PM: Unfortunately, I don't know anything about dealing with debt collectors, payday lenders, consolidating debts, and that sort of thing. I sue debt collectors for violations of the FDCPA, and I defend consumers sued by debt collectors. sjglover.com caveatemptorblog.com 
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#18
01-08-2007, 08:34 AM
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Hi Sam,
I am also behind on my mortgage but not enough to foreclose my house. I spoke to my Escrow officer (who helped me when I purchase my house before)He said that my note stated that HOA and the office for Real Property Tax can foreclose my house if I'm deliquent in paying my dues. But I am not deliquent with them cause I paid it and they accepted my payment. This is a part of what they sent me. NOTICE OF DEFAULT AND ELECTION TO SELL UNDER NOTICE OF DELIQUENT ASSESSMENT IF YOUR PROPERTY IS IN FORECLOSURE BECAUSE YOU ARE BEHIND IN YOUR PAYMENTS, IT MAY BE SOLD WITHOUT ANY COURT ACTION, and you may have the legal right to bring your account in good standing by paying all your past due payments plus permitted costs and expenses within the time permitted by law for reinstatement of your account. No sale date may be reinstated until 90 days from the date this notice of default may recorded or mailed. It was recorded on 12/27/06. They also stated that I should hire a lawyer if I have a question.
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#19
01-08-2007, 09:09 AM
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You should hire a lawyer. As I said before, GET THEE TO NACA.NET! This is a case a consumer lawyer may be able to take on contingency, depending on whether there is the prospect of attorney fees in your state. Regardless, real estate matters like this are too complicated for most consumers to handle on their own. (Heck, I am an attorney and I stay away from them.)
Don't waste any time. If the foreclosure goes through, you will have less chance of getting back into your house. Take care of this NOW! __________________
BEFORE YOU SEND ME A PM: Unfortunately, I don't know anything about dealing with debt collectors, payday lenders, consolidating debts, and that sort of thing. I sue debt collectors for violations of the FDCPA, and I defend consumers sued by debt collectors. sjglover.com caveatemptorblog.com
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#20
01-08-2007, 09:13 AM
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If you can't find an affordable attorney . Does your city or county have a Legal Aid Society? They can help with housing issues and it is based on your income. It doesn't hurt to look into that as well. If you go to NACA.NET like Sam suggested they would more than likely be able to tell you about any Legal Aid Society near you. Good Luck.
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#21
01-09-2007, 06:17 PM
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Thank you guys for all your help. I am from Las Vegas. My Boss advised me to contact TV station if I can't get a lawyer. but I will check NACA.net as well.
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#22
03-19-2008, 05:05 PM
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WOW NOBODY KNOW WHAT THERE TALKING ABOUT.
don't listen to what anybody on this board is telling you. HOA dues have nothing to do with a Governmernt Assisted Loan, like HUD or FHA.... The HOA has part ownership in your property and YES they can foreclose on you, they aren't joking. You need to pay the dues and see if you get set up on a payment plan with the Trustee. Let them know you are willing to make payments but can't pay in full...
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