Subject: Payment Dispute on Foreclosure Case in Cuyahoga County, Ohio [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Law Firm's Name] [Address] [City, State, ZIP] Dear [Foreclosure Attorney's Name], Re: Case No. [Case Number] — Payment Dispute in Cuyahoga County, Ohio I hope this letter finds you in good health and high spirits. I am writing to address a matter of concern regarding the ongoing foreclosure case on my property in Cuyahoga County, Ohio. I have recently encountered a discrepancy in the payment history that requires immediate attention and resolution. Allow me to detail the circumstances leading to this payment dispute. As per our agreement, I have meticulously fulfilled my responsibilities by adhering to the terms of the loan agreement and making timely payments. However, upon reviewing the payment history provided by your office, I have noticed a discrepancy between the records I maintain and the records maintained by your firm. To rectify this discrepancy and reach a fair resolution, I kindly request your assistance with the following actions: 1. Thorough Investigation: I request a comprehensive examination of my payment history, including the original loan agreement and any subsequent modifications, in order to ascertain the accuracy of the information presented. 2. Clarification and Documentation: If any errors are discovered during the investigation, I request a detailed explanation of the nature and scope of these discrepancies. Additionally, please provide supporting documentation that clearly demonstrates the accurate payment history. 3. Timely Response: Given the urgency of this matter and the potential implications for the foreclosure proceedings, I kindly ask that your office deliver a prompt response within [specify a reasonable timeframe, e.g., 14 days] of receiving this letter. 4. Coordination with Lender: If necessary, please liaise with my account representative at [Lender's Name and Contact Information] to ensure a seamless resolution to this payment dispute. I authorize your firm to share the relevant details of this case with the lender for collaborative problem-solving. 5. Future Correspondence: To maintain efficient communication and ensure all parties are on the same page, I kindly request that all correspondence related to this payment dispute be in writing. Please acknowledge receipt of this letter in writing as well. I believe that by promptly addressing this payment dispute, we can mitigate potential complications and maintain an amicable working relationship. I genuinely value your expertise and commitment to resolving this matter fairly. Please consider this letter as an earnest effort to rectify the payment discrepancy and reach an agreement that will allow me to fulfill my financial obligations promptly. I sincerely hope that we can quickly resolve this dispute and prevent any adverse impacts to the ongoing foreclosure case. I look forward to your immediate attention to this matter and an expeditious resolution. Should you require any further information or documentation from my end, please do not hesitate to contact me at the provided phone number or email address. Thank you for your prompt and professional assistance. Sincerely, [Your Name]
Cuyahoga Ohio Sample Letter to Foreclosure Attorney - Payment Dispute
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FAQ
Foreclosures in Ohio are judicial, which means a court handles the process. The process officially begins when the loan holder (called the "lender" in this article) files a complaint with the court.
In an Ohio foreclosure, you'll most likely get the right to: receive notice before the foreclosure in the form of a breach letter. apply for loss mitigation. get notice of the foreclosure and the chance to respond in court. receive special protections if you're in the military. pay off the loan to prevent a foreclosure sale.
How long does a foreclosure take? In Ohio, the foreclosure process can take anywhere from six to 18 months or longer.
Redemption Period: Up to 90 Days The time between the sale and the court's confirmation is called the redemption period. During the redemption period, you have the legal right to buy your home back for the sale price plus any fees incurred during the foreclosure process.
Ohio Foreclosure Law: COVID-19 Foreclosure Moratorium and Forbearance. Foreclosure moratorium and consumer right to request forbearance due to COVID. Gave consumer right to ask for 180 day forbearance from March 13, 2020 and established a 60 day moratorium from that day.
A few potential ways to stop a foreclosure include reinstating the loan, redeeming the property before the sale (or for a short period after that), or filing for bankruptcy. Of course, if you're able to work out a loss mitigation option, like a loan modification, that will also stop a foreclosure.
A quick rule of thumb is that in judicial states, home loans are secured by a mortgage, whereas in nonjudicial states, home loans are typically secured by a deed of trust....Foreclosure Procedures by State. StateJudicial (Mortgages)Nonjudicial (Deeds of Trust)North Dakota2713Ohio2713Oklahoma27132713Oregon2713271347 more rows ?
You also have options to save your home after foreclosure. You have a right under an Ohio statute to purchase your property back after the sale and before it is confirmed if you can pay in full the amount you owe in the judgment entry. This right is known as your right of redemption.
In an Ohio foreclosure, you'll most likely get the right to: receive notice before the foreclosure in the form of a breach letter. apply for loss mitigation. get notice of the foreclosure and the chance to respond in court. receive special protections if you're in the military. pay off the loan to prevent a foreclosure sale.
A demand letter simply restates the terms of the loan, and demands that the borrower rectify their accounts immediately. More common for a non-judicial foreclosure might be a breach letter, which is required before issuing an NOD.
