Dear [Foreclosure Attorney], I am writing to express my utmost concern and anxiety regarding the ongoing foreclosure proceedings against my property in Hawaii. As a homeowner and responsible borrower, I am distressed by the prospect of losing my beloved home and the stability it has provided for my family. Therefore, I kindly request your immediate attention to this matter and a thorough review of the circumstances of this foreclosure. Firstly, I must bring to your attention some crucial reasons why this foreclosure must be halted. It has come to my knowledge that certain procedural irregularities were followed during the foreclosure process, indicating a potential violation of my rights as a homeowner. These irregularities include [list specific irregularities and provide any evidence or relevant documents that support your claims]. Moreover, it is worth emphasizing that my current financial situation, although temporarily strained, is not insurmountable. I am committed to finding a resolution and firmly believe that with the right assistance, I can reinstate the loan and get back on track with affordable mortgage payments. I kindly request your guidance and support in exploring all possible alternatives to foreclosure, such as loan modification, forbearance options, or any other viable options available under Hawaii state laws. Furthermore, it is important to note that the foreclosure proceedings against my property might have severe consequences not only for me but also for the local community. My home, which has been a pillar of stability and positivity, serves as a source of pride for my family and provides an environment conducive to maintaining strong ties within the neighborhood. Losing it would not only impact my family's emotional well-being but potentially destabilize the community as a whole, contributing to the ongoing issue of homelessness. In light of these reasons, I implore you, as a foreclosure attorney, to take immediate action to halt this foreclosure and reassess the circumstances of this case. I am eager to cooperate fully, provide all necessary documentation, and explore fruitful alternatives in order to retain ownership of my property. My hope is that we can work together towards a fair and just resolution that benefits all parties involved. Thank you for your attention to this matter. I kindly request a prompt response to discuss a meeting or further steps to address this urgent issue. Please consider the gravity of the situation and the potential implications of proceeding with the foreclosure. I am hopeful that with your expertise and guidance, we can find a mutually agreeable solution that prevents a foreclosure, ensures fairness, and maintains the stability of the local community. Sincerely, [Your Name] [Your Contact Information] Different types of Hawaii Letters to Foreclosure Attorney — General Demand to Stop Foreclosure and Reasons could include variations in the reasons stated, the specific irregularities mentioned, financial circumstances, or community impact. Each letter will vary depending on the homeowner's unique situation and the specific details of the foreclosure case.
Hawaii Letter to Foreclosure Attorney - General Demand to Stop Foreclosure and Reasons
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FAQ
Major reasons for foreclosures are: Debt, particularly credit card debt. Medical emergency or illness resulting in a lot of medical debt. Divorce, or death of a spouse or partner who contributed income. An unexpected big expense.
Twenty years. No person shall commence an action to recover possession of any lands, or make any entry thereon, unless within twenty years after the right to bring the action first accrued. or enforce a promissory note from an action to foreclose a mortgage.
In Hawaii, there are two types of foreclosures: judicial and nonjudicial. In a JUDICIAL FORECLOSURE, the Mortgagee files a lawsuit against you in order to obtain a court judgment that you owe the balance due under your loan and to obtain an order to sell the property.
A deed in lieu of foreclosure is a contract between a lender and a borrower where the borrower transfers property to the lender. In turn, the lender waives the borrower's mortgage debt and does not pursue foreclosure.
Put your name, address, phone number, loan number, and date on the top of the letter. List the name and address of your lender. information about any money you have saved for a workout agreement. Tell the lender you are working with a foreclosure counselor and include their name and agency.
Ways to Stop Foreclosure in Hawaii Declare Bankruptcy. Yes, bankruptcy is a way through which foreclosure can be stopped. ... Applying for Loan Modification. ... Reinstating Your Loan. ... Plan for Repayment. ... Refinancing. ... Sell Out Your Home. ... Short Sale. ... Deed In Lieu of Foreclosure.
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.
