Foreclosure Article


Did you know the Arizona Attorney General’s Office has a wide range of statewide assistance programs funded through the national mortgage settlement that could benefit you or people you know?

~Zero interest, zero payment, forgivable loans from the AZ Mortgage Relief Fund to help with: past due payments due to a hardship, principal reduction, or refinance when a loan is going to become unaffordable due to a hardship or an interest rate increase.

~Foreclosure prevention and financial literacy counseling by HUD-approved housing counselors.

~Free legal help with mortgage related issues for people at risk of or impacted by foreclosure.

~Relocation assistance for people who lost their home or were evicted due to foreclosure, or are facing a rent increase that will be unaffordable.

~Job training and employment services for people who lost their home or were evicted due to foreclosure.

~Funds for veterans with service-connected disabilities who can’t afford to make accessibility improvements and maintain their mortgage payment.

Attached Document
.pdf Did you know the Arizona Attorney General’s Office has a wide range of statewide assistance programs funded through the national mortgage settlement that could benefit you or people you know?


Comments:

QUESTIONS

  • A sibling had a piece of land that was sold in a trustee's sale in June 2016 . It was 2.55 acres and had no single family residence. I am clear that it doesn't fall under the deficiency exemption because of the size of the lot and no home. Since it's been over 90 days, is it safe to say there will be no legal recourse? Can they still send the debt to ordinary collections agent? Thank you
  • I have 2 investment homes in AZ and my primary home in CA where I live. Short sale is not an option for me b/c I don't qualify because I have assets. My question is if I foreclose on the 2 investment homes will the lenders put liens on my primary home that has about $200k in equity? Or do I just have poor credit for 7 years?
  • I need advise and assistance. Have been working with ***Mortgage Servicer*** since 10/2011 to obtain a HAMP 1.0 Tier modification. I have filed for Chapter 11 protection in 4/12 to stop the foreclosure process and continue to work unsuccessfully with Mortgage Servicer. They have made my life so unbelievably stressful with their constant requests for duplicate information provided and 2 denials of the request based on incorrect information that I am spending hours proving their errors. Need assistance to further clarify the settlement terms of the AZ AG's office case and what can be done to help me obtain the HAMP

    (This question was edited by the site administrator to redact the proper name of an individual or business)

     

  • I owned a house in 2005- when everything boomed it was way overpriced and there was a 1st and a 2nd. I went through a divorce and lost the home as it was upside down. It went into foresclosure and I never heard another word. This now 2019 and I received a letter in the mail saying the 2nd mortgage wants to settle with me for $5000 on a $92,000 note from that house- that was 13 years ago! Can they even do that? My house was upside down and then foreclosed on and sold.
  • can my RV be reposess for being 43 days late
  • The question concerns anti-deficiency laws in Arizona (non-recourse state) in regards to foreclosure? I am trying to determine if they are different for owner-occupied and non-owner-occupied residences in Az? If there is a deficiency in the foreclosure, can I be sued as a non-occupant owner for a deficiency.
  • We're renting a home and have 9 months left in our 12 month lease. We just found out the property foreclosed and the home sold. We've been offered money to leave in 30 days. We are protected under the Protecting Tenants in Foreclosure Act, and can stay for the duration of our lease. We are willing to leave in 60-90 days, to give us time to find another rental. If the PTFA expires on 12/31/14 are we still protected on 1/1/15? Can they give us more time but then come back on Jan. 1st and evict us? Are we protected past the expiration of the act because we signed our lease before the foreclosure?
  • I AM CURRENTLY RENTING A HOME THAT WAS IN FORCLOSURE BEFORE I MOVED IN AND KNEW NOTHING ABOUT. I SIGNED A 18 MONTH LEASE AND AFTER JUST TWO MONTHS, I HAVE TO MOVE OUT. IS THERE SOME LEGAL RIGHTS THAT I HAVE TO RECOUPE SOME OF MY MOVING EXPENSES AND DEPOSIT?
  • Since 2010 I've lived at a home in mesa az. Recently my friend gave her home back to bank/ reverse mortgage and lien on it from IRS.She moved out to Missouri in july or first of aug 2013.I still am in the home whike she knew this she broke thru a window and hsrassed me.I called police they said she has a right to come in and change the locks.what legal rights do I have I pay utility bill at the resident.the mortgage company said it is in foreclosure so I need to know my rights
  • my home had a foreclosure hearing in November but today i received a letter saying. Motion to withdraw motion for summary and default judgement entry and decree of foreclosure and vacate hearing. what does this mean? Thank you in advance for your time

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  • State Bar of Arizona
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