Subject: Urgent Issue — Letter Requesting Guidance Regarding Foreclosure Notice Non-receipt [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Foreclosure Attorney's Firm] [Attorney's Address] [City, State, ZIP Code] Dear [Foreclosure Attorney's Name], I hope this letter finds you well. I am writing to seek your professional guidance and expertise relating to an alarming matter I recently discovered. Following the completion of a foreclosure process, I came to the realization that I did not receive any notice regarding the foreclosure proceedings. Rest assured, I would have taken immediate action had I been made aware of the situation. To provide you with some context, my property located at [Property Address], in Houston, Texas, had unfortunately fallen into foreclosure due to unforeseen financial hardships. The foreclosure process has now concluded, and title ownership of the property has been transferred to the lender. However, I am deeply concerned regarding the lack of any prior notices or communication regarding this foreclosure action. Considering the significant implications that a foreclosure brings, I am puzzled as to how I did not receive any notice regarding the initiation, progress, or completion of this process. As a diligent homeowner, I have always ensured that my contact information, including my mailing address, email address, and phone number, is up to date. Given the circumstances, I kindly request your legal assistance to shed light on this matter and answer the following important questions: 1. Can the lender or related parties complete a foreclosure without providing any prior notice to the homeowner? 2. Is there any legal requirement in Houston, Texas, that obligates lenders to send foreclosure notices to borrowers? 3. What actions can I pursue to rectify this situation and potentially reverse the foreclosure process? 4. Should I proceed with hiring legal representation to protect my rights as a homeowner who did not receive any foreclosure notice? I am eager to understand the legal perspective and potential options available to me. It is crucial that I take the necessary steps to address this oversight promptly and explore any potential recourse I may have at this stage. As I am not well-versed in the legal procedures surrounding foreclosures, I am counting on your expertise and guidance to assist me in navigating through this challenging situation. Your advice will be instrumental in helping me determine the best course of action moving forward. I kindly request your prompt attention to this matter, considering the urgency it requires. I am available at your convenience to discuss further details or provide any additional documentation if necessary. Furthermore, I genuinely appreciate your time and consideration in reviewing my situation and providing the necessary guidance. Thank you for your understanding and cooperation. I eagerly look forward to hearing from you soon. Sincerely, [Your Name]
Houston Texas Sample Letter to Foreclosure Attorney - After Foreclosure - Did not Receive Notice
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FAQ
Federal regulation issued by the Consumer Financial Protection Bureau that states the mortgage loan obligation must be over 120 days delinquent before initiating a foreclosure action.
Phase 1: Payment Default. Phase 2: Notice of Default. Phase 3: Notice of Trustee's Sale. Phase 4: Trustee's Sale. Phase 5: Real Estate Owned (REO) Phase 6: Eviction. Foreclosure and COVD-19 Relief. The Bottom Line.
Upon a default of a loan secured by a deed of trust on real property, the lender can foreclose its lien either by instituting a judicial foreclosure proceeding or by a valid exercise of the power of sale contained in the deed of trust.
The most common foreclosure process in Texas is non-judicial foreclosure, which means the lender can foreclose without going to court so long as the deed of trust contains a power of sale clause. Non-judicial foreclosure is most common with purchase money loans as well as rate-and-term refinances.
Federal regulation issued by the Consumer Financial Protection Bureau that states the mortgage loan obligation must be over 120 days delinquent before initiating a foreclosure action.
Notice of Sale Filed, Posted and Mailed ? Next, the law requires at least 21 days' written notice of the date on which the foreclosure sale (auction) is to take place. The 21 days begin from the date the notice is mailed, not the date you receive it.
EVENTTIME PERIOD1. Default on the LoanBegins the possible foreclosure process. 12-16 months left in the property.13 more rows
How long does a foreclosure take? In Ohio, the foreclosure process can take anywhere from six to 18 months or longer.
In Illinois, it can take approximately 12-15 months for a foreclosure to be completed. Call your lender or a HUD-certified counseling agency as soon as you can. You miss your second payment. When your lender calls, it is important to pick up the phone and speak to your lender.
Foreclosure of property occurs when the borrower defaults on 3 or more monthly repayments of a loan. Ownership of the property mortgaged against the loan is transferred over to the lender, usually a bank, who can legally auction the foreclosed property, selling it to the highest bidder to recover the loan amount.
