[Your Name] [Your Address] [City, State ZIP] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Attorney's Firm Name] [Address] [City, State ZIP] Subject: Payment Dispute Regarding Foreclosure Case [Case Number] Dear [Foreclosure Attorney's Name], I hope this letter finds you well. I am writing to address a serious concern regarding the payment arrangements for my foreclosure case, referenced above. I would like to bring to your attention the discrepancies I have observed, in the hope that we can resolve this matter amicably and avoid further legal proceedings. Firstly, it is essential to acknowledge that the terms of our initial agreement stated that I would make monthly payments of [amount] towards my outstanding mortgage balance. I have diligently adhered to this agreement, meeting each payment deadline promptly. However, upon conducting a thorough review of my account statements, I noticed several irregularities and discrepancies that raise significant concerns. To provide a more comprehensive understanding of the problem, I have outlined below the specific issues I have identified: 1. [Describe the first payment issue in detail]. 2. [Describe the second payment issue in detail]. 3. [Describe any additional payment issues in detail]. Given the gravity of the matter, I kindly request a detailed account reconciliation from your firm, outlining all received payments, applied amounts towards principal and interest, as well as any additional charges or fees incurred during the course of this foreclosure case. Clarity on these matters is vital to ensure a fair and just resolution. Furthermore, it is important to highlight that I have made extensive attempts to contact your firm regarding these payment discrepancies. Unfortunately, my calls and emails have gone unanswered, leaving me with no alternative but to bring this matter to your attention through this formal written communication. I firmly believe that, as a responsible and ethical foreclosure attorney, you share my commitment to rectifying this payment dispute promptly and fairly. I kindly request that you initiate an investigation into these discrepancies to identify any errors, if present, and provide a detailed report to me within [timeframe, e.g., 15 days]. This timeframe is in line with legal requirements and ensures we can address these concerns before further escalation becomes necessary. In light of the ongoing payment dispute, I kindly request that any foreclosure proceedings related to my case be temporarily suspended until the resolution of this matter. It is my intent to not only honor my obligations but also resolve this issue in a just and mutually beneficial manner. I appreciate your immediate attention to this matter and your assistance in ensuring a fair resolution. Please find attached copies of all relevant documentation, including payment receipts and correspondence for your review and reference. I kindly ask that you acknowledge receipt of this letter within [number of days, e.g., 5 days] and inform me of the next steps to address this payment dispute effectively. Thank you for your prompt action in this matter. I look forward to a timely response. Yours sincerely, [Your Name]
Alaska Sample Letter to Foreclosure Attorney - Payment Dispute
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FAQ
There are no rights for redemption in Hawaii once the foreclosure is completed. In the case of a judicial foreclosure, the lender can file a lawsuit against the borrower for a deficiency unless a ruling was made by the court regarding deficiency when the foreclosure was finalized.
Alaska Guidelines for a Power of Sale Clause The following outlines the process for a non-judicial foreclosure through a power of sale clause. Lender or trustee must file a notice of default no less than 30 days following default and no less than three months before sale.
The owner of the equity of redemption may redeem the property up until a short time before the sale by paying the plaintiff its debt, fees and costs. If a bonifide buyer is obtained and a valid contract of sale entered into, the court often opens the judgment and postpones the sale upon proper motion.
A foreclosure is simply the closing of a Home Loan by paying off the entire amount borrowed in one lump sum amount. It is part of the regular Home Loan process and allows you to pay off the borrowed amount before the EMI schedule. You can opt for a foreclosure even after having made a few EMI payments.
Civil Fees Fee TypeCostForeclosure -- Mortgage/Deed of Trust on Residential Property$300.00Foreclosure -- Request for Mediation on Owner Occupied Residential Property$50.00Judgment -- Assignment of, Credit on, Modification of, Release of, or Satisfaction$15.00Judgment -- District Court$15.0020 more rows
Some states also provide foreclosed borrowers a redemption period after the foreclosure sale, during which they can buy back the home. But under Alaska law, a foreclosed borrower doesn't get the opportunity to redeem the home following the sale unless the deed of trust expressly gives a right of redemption.
Alaska borrowers do not have a post-sale right of redemption unless the deed of trust expressly gives them this right.
Types of Foreclosures in Alaska Once the courts declare a judicial foreclosure, the property is auctioned off, allowing lenders to recover as much money as possible as recompense for the loan. In a judicial foreclosure, the borrower does not have any redemption rights but deficiency suits are allowed.
