My question involves a mortgage in the state of: Virginia. Here goes. House is question is in my husband's name. The bank holding the mortgage does not have a physical presence in this state. They offered payment options and did not follow through. The foreclosure is due to government budget cuts, a layoff, and a new position with a large drop in income. Legal representation was sought when loan adjustment paperwork was not accepted. The house was set for auction dates for almost six months. According to attorney, the last attempt to place the house at auction was dismissed by the judge. The paperwork for the loan adjustment finally went through and the bank refused the adjustment. We refuted their decision and now our house is listed as in foreclosure. Our attorney's office was from South Carolina and has closed as far as we can tell. We can no longer reach them. We do not have another three thousand dollars for a new attorney. We have lived in Virginia for four years and half of that time has been spent fighting to keep our house. One resident is a parent with Alzheimer's. We tried bankruptcy and filed for chapter 13. Our application was denied due to an incomplete application. We were told by our attorney which papers to file for bankruptcy and filled them out. We were accused of fraudulence with paperwork but not charged even though we have proof we took their courses and filed the documents. We have no idea at this point what is next and how we will keep our house. We put everything we had into it, even our biggest retirement account. One other does not have enough to make a difference. Help!
Foreclosure: What is Next and How Do We Fight This Foreclosure
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