sample foreclosure affirmative defenses florida
To understand how this helps our case here is a quick background on the ruling: Seller: Kumar <- Doing the suing, Buyer: Nava <- Legally should be doing the suing instead of Kumar. In foreclosure lawsuits, this can be when there was a first written demand for payment or it may be the earlier of the date when the acceleration clause is invoked or stated date of maturity. 2d 12, 14 n.3 (FLa. 1984) (describing indispensable parties as ones so essential to a suit that no final decision can be rendered without their joinder); Bastida v. Batchelor, 418 So. Track Case Changes Download Document Print Document On January 13, 2014 a Real Prop Comm Foreclosure =/>$250,000 case was filed . & Loan Assoc., 502 So. The same idea works with your mortgage. For an overview of the mortgage foreclosure process, see 2 Florida Real Estate Transactions 32.80. 2d 596 (Fl. mjk funeral home obituaries; san jose state university graduate programs deadlines Men umschalten. Statute of limitations, statute of repose, and laches are affirmative defenses which (Rel.1-3/05 Pub.1366) Understanding the Statutes of Limitations and Repose3 . Similarly, in some instances, there have been so many assignments (and the assignments were handled so carelessly) that the original notes are missing. Once a lien is attached by an HOA on an individuals property, it will generally incur foreclosure (even in cases where the property owner has paid the mortgage as required). 40 In fact, the Florida Supreme Court has held the . Another defense in foreclosure lawsuits is that the foreclosing plaintiff came to the court with unclean hands. 462 So.2d 1178, (FLa. 3d DCA 1985). Based on this, a lender, or the holder of the note and mortgage, must ensure that it is coming to the court with clean hands. Email: legal@raygarcialaw.com. FAILURE TO SATISFY CONDITIONS PRECEDENT. Assn, 79 So. Given the ready availability of foreclosure answer forms on the internet, it should be relatively simple for any homeowner to download foreclosure defense forms and thereby preserve their legal rights. Charles B. Jimerson Standing requires that the party prosecuting the action have a sufficient stake in the outcome and that the party bringing the claim be recognized in the law as being a real party in interest entitled to bring the claim. Cross v. Federal Natl Mtg. If the borrower can demonstrate that the home loan was based upon fraud on the part of the lender or its agents, then the foreclosure action should fail. Notice of default has to be given long before the lawsuit is filed. 731, 731 (Fla. 1904) (syllabus). COMPANY, AS TRUSTEE FOR MORGAN CASE NO: 07-xxxx-CA The lenders' and mortgage servicers' sloppy record keeping and abusive practices can be of benefit to homeowners trying to defend against foreclosure. The notice to the homeowner must indicate the action required to cure the default and provide at least 30 days to cure the default before the bank can initiate foreclosure. fraudstoppers.org/22-affirmative-defenses/, Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/103.0.5060.114 Safari/537.36 Edg/103.0.1264.49. Contact us now Free Consultation. 10-3416 (6th Cir. foreclosure costs, late charges, advances, and expenses incurred by the Plaintiff as a result of the default. You can further use this situation to your advantage by further arguing it in your affirmative defenses. In such situations, the banks may not be able to establish that they have standing to foreclose. Attorney Home > Foreclosure Research > Foreclosure: A Simple Understanding >, Created by Attorney Michael Stites & contributing editor Jared Speck. ANSWER: Mrs. Dunn admits that the mortgage is in default . You would probably be less worried about giving the new guy the money, right? 3. You would probably want this random person to show you solid evidence that you owe them the $20.00 instead of your friend. 1971). Corp., 61 F.3d 1552, 1561 (11th Cir. Unfortunately, these technical defaults become the basis for some foreclosure lawsuits on the theory that the banks interest is being impaired. Piccolo, 453 So. He or she must do things that include: If these procedural requirements for service of process in a foreclosure lawsuit are not followed, then the defendant can move the court to quash the service and dismiss the entire case based upon defective or insufficient service of process. See, Florida Rules of Procedure 1.115(e). Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. Some of the common defenses to foreclosure include: lack of standing; failure to provide required notice of default; statute of limitations; and unclean hands. 2. This field is for validation purposes and should be left unchanged. Loan Tr. UnderRule 1.130, the lender must attach both the mortgage and the promissory note to the pleading asserting its foreclosure cause of action (the complaint). There were a total of 12 affirmative defenses made against the plaintiffs claim. For more here, see: Conditions a Bank Must Satisfy Before Filing a Foreclosure in Florida, Bank Fails To Provide Proper Service Of Process Of The Lawsuit. In order to establish unclean hands, the homeowner must show either a fraudulent or illegal transaction or any unrighteous, unconscious, or oppressive conduct by the party seeking foreclosure. Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. All fines, interest, and fees assessed by an HOA must be reasonable. This is where your affirmative defense comes in. The defenses described herein may not be applicable to every home foreclosure case, you should seek the advice of a licensed attorney in your area for more information about your specific case. All Rights Reserved. If the homeowner can show a detriment to them caused by such an action of the lender, the unclean hands doctrine may prevent the foreclosure. SACKRIN & TOLCHINSKY The server must initial the copies given (served) to the borrower. 702.01. Over time, Florida courts have built legal principles consisting of equity defenses which apply both in standard contract cases as well as in foreclosure actions. Affirmative Defenses to Foreclosure Based on Missing Notes and/or Lack of Standing: If the foreclosing plaintiff came to the court with unclean hands, it will be prevented from foreclosing, regardless of the merits of the claim. A successful fraud defense allows the homeowner to obtain rescission of the mortgage or alternatively, affirm the deal and ask for money damages. 1 ago. We go on to define what standing is: Standing requires that the party prosecuting the action have a sufficient stake in the outcome and that the party bringing the claim be recognized in the law as being a real party in interest entitled to bring the claim. 57.105 and the. Unfortunately, many people lose their homes even after leaving a few thousand dollars behind on HOA assessments. ecolife organic quick cook brown basmati rice, . If the loan document provides that lenders must provide borrowers with a notice of default, the lender must prove that it complied with these requirements before filing their foreclosure complaint. This person has legal duties underRule 1.070and the Florida Statutes, including Florida Statutes48.20,48.031(5). Referencing case law and previously ruled cases is another important part when creating your affirmative defenses. Hallandale Beach, FL 33009 Get in touch withAttorney Romy B. Juradotoday by calling(305) 921-0440or by sending us an email atRomy@jflawfirm.com. 1701), lenders are required to advise homeowners of loan counseling options offered by the U.S. Department of Housing and Urban Development (HUD). Regardless of your situation, if you are facing foreclosure, it is important to contact a Florida foreclosure defense lawyer. 3. 713, has a lien on the improved real property for any money that is owed to . Sackrin & Tolchinsky, P.A. The longstanding legal axiom underlying these decisions is quite clear: a transfer of the mortgage without the debt is a nullity, and no interest is assigned unless the underlying note has been assigned. Copyright 2008-2023 Jimerson Birr, P.A. Under Florida law, a homeowner's answer to a foreclosure complaint may include the affirmative defense that the plaintiff lacks legal standing to obtain a judgment of foreclosure. We recommend and urge you to consult with an experienced lawyer for professional advice as each case is unique. Banking & Financial Services Industry Legal Blog, Floridas Second DCA: Florida Law Remains That Plaintiffs in Foreclosure Actions Must Have Standing at the Time of Filing Suit, How to Foreclose on Mortgaged Land in Different Counties. Start here to find foreclosure lawyers near you. defending against Florida causes of action that we routinely litigate. Empire State Legal Forms This would be a feasible defense if the lender plainly states that they are unable to produce the note. 10-81612-CV-HURLEY/HOPKINS JONATHAN E. PERLMAN, Plaintiff, v. WELLS FARGO BANK, N.A., Defendant. Under Florida law, statutes have been passed that contain very specific provisions on how the bank must give formal notice of default on the home loan. "The elements of equitable estoppel are (1) a representation as to a material fact that is contrary to a later-asserted position, (2) reliance on that representation, and (3) a change in position detrimental to the party claiming estoppel, caused by the representation and reliance thereon." 21st Mortg. For example, in New York, RPAPL 1304 requires that a lender give at least 90-days notice prior to commencing an action against a borrower when the underlying loan constitutes a "home loan" as defined in the statute. Standing requires that the party prosecuting the action have a sufficient stake in the outcome and that the party bringing the claim be recognized in the law as being a real party in interest entitled to bring the claim. This entitlement to prosecute a claim in Florida courts rest exclusively in those persons granted by substantive law, the power to enforce the claim. (The state version of HOEPA, the Florida Fair Lending Act, is found in Florida Statutes 494.001 et seq.). The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The Plaintiff does not prove that it owns, holds, or has the right to enforce the mortgage. All Rights Reserved. 3d 351, 352 (Fla. 1st DCA 2014) (A plaintiff alleging standing as a holder must prove it is a holder of the note and mortgage both as of the time of trial and also that the (original) plaintiff had standing as of the time the foreclosure complaint was filed.). 22 Affirmative Defenses To Stop Foreclosure What is an affirmative defense? This entitlement to prosecute a claim in Florida courts rest exclusively in those persons granted by substantive law, the power to enforce the claim. InFlorida, residents who live in a planned development and who do not pay the required fees/assessments required by the HOA are exposed to the risk of home foreclosure. 3d 317, 319 (Fla. 4th DCA 2018) (Giving a notice of default is a condition precedent to foreclosure in most residential mortgages.). However, the information contained herein is relevant to the borrower and its counsel as well. 3d 1120, 1122 (Fla. 1st DCA 2020). Copyright 1999 2023 GoDaddy Operating Company, LLC. What If The Bank Files A Procedurally Flawed Complaint? 349070 Copyright 2023 MH Sub I, LLC dba Nolo Self-help services may not be permitted in all states. Ct. App. the HOA misapplied your payments. If the claimant seeks to enforce a lost, destroyed, or stolen instrument, an affidavit executed under penalty of perjury must be attached to the claim for relief. 2d 717, 720 (Fla. 1956). The plaintiff must also demonstrate that it holds the note and mortgage at the time of the trial. Plaintiff does not have standing to bring this action. Then please feel free to send Larry an. plaintiff allegations as to the ownership of the mortgage, plaintiffs authority to action behalf of the owner. Adding Affirmative Defenses When Responding to a Foreclosure Summons. Ocwen Filing Bad Foreclosure Lawsuits: Is Ocwen Servicing Your Mortgage? Defendant is without knowledge as to the recording information, proof is demanded thereon. al.. Remember the friend who you owed $20.00 and some other guy came up asking for payment? In Florida, any HOA that fails to comply with the state statutory requirements regarding foreclosure may not be successful in its attempt to attach a lien and enforce foreclosure against an individuals property. PNC Bank, Natl Assn v. Smith, 225 So. 3d 251, 253 (Fla. 4th DCA 2013). Contain affirmative allegations expressly made by the claimant at the time the proceeding is commenced that the claimant is the holder of the original note secured by the mortgage; or allege with specificity the factual basis by which the claimant is a person entitled to enforce the note under section 673.3011, Florida Statutes; and. Rashid v. Newberry Fed. All rights reserved. You are saying since the lender did not include an endorsement from the original lender, they have not proven the debt is actually owed to them. The best way for lenders to succeed in their foreclosure lawsuit is to ensure the borrower cannot succeed on possible defenses. Plaintiff does not have standing to bring this action. This is a sample document related to a specific set of facts and circumstances and should not be used or relied upon if any foreclosure, deficiency judgment, short sale or any other real estate matter. IT IS HEREBY CERTIFIED that on October 14, 2011, a true and correct copy of the foregoing was faxed [813-221-9171], and mailed to Ryan Weeks, Esq., Albertelli Law, P.O. This court should refuse the acceleration and deny foreclosure because Plaintiff has waived the right to acceleration or is stopped from doing so because of misleading conduct. Assn, 359 So.2d 464 (Fla. 4th DCA 1978)), one of the most common equitable defenses in Florida jurisprudence is the doctrine of unclean hands. If the borrower (defendant) can provide admissible evidence that the lender (plaintiff) was involved in illegal or improper activity, which may or may not include fraud, then the action has been filed with unclean hands.. What Are Actual Damages Under the FCCPA and the FDCPA? alan@hallandalelaw.com Corp. v. TSE Plantation, LLC, 301 So. If the homeowner affirmatively denies the existence of such notice, the court may rule in favor of the homeowner in the foreclosure case. All forms are available in Word format. stream We recommend and urge you to consult with an experienced lawyer for professional advice as each case is unique. 1987), appeal after remand, 526 So.2d 772 (Fla. 3d DCA 1988). What Are Statutory Damages Under the FCCPA and the FDCPA? Under the National Housing Act (12 U.S.C. Shahar, 125 So. Bank Fails to Meet Deadline in the Statute of Limitations, Every civil action filed in Florida has a deadline. defenses to the foreclosure. Also, please note, under Florida Statute 95.031, the SOL starts to run when the last element constituting the cause of action occurs. Plaintiff intentionally failed to act in good faith or to deal fairly with Defendants by failing to follow the applicable standards of residential single family mortgage lending and servicing as described in these Affirmative Defenses thereby denying Defendants access to the residential mortgage lending and servicing protocols applicable to the subject note and mortgage. Sign up for our complimentary monthly newsletter and receive practical tips and information regarding developments in the fast-paced world of real estate law. Defendant Answer to Complaint, Affirmative Defenses, and Counterclaims, U.S. Bank, National Association v. Dunn, Docket No. The failure to follow any of these federal laws, rules, or regulations by the mortgage lender can become a valid federal statutory foreclosure defense for the borrower in a Florida foreclosure lawsuit. What Exposure Does a Business Have to Attorneys Fees Under the FCCPA and the FDCPA? To combat against a standing defense, lenders, or the holder of the note and mortgage, must ensure that it has proof of standing by demonstrating that it is the holder of the note and mortgage at the time of filing a foreclosure lawsuit and throughout the lawsuit. If you write that 50% of all homes in Florida are in foreclosure, readers would want to know where you got that number from. Standing means that the party seeking foreclosure has a right to bring the lawsuit. 2d 721 (Fla. Dist. All initial consultations are completely free and we can contact the same or following business day. Answer & Affirmative Defenses - TO PLAINTIFF'S COMPLAINT/MARLON WALTERS and SHERRIE WALTERS November 20, 2014. 607.1502 (1) and 607.1501 (a), (g) and (h). When expanded it provides a list of search options that will switch the search inputs to match the current selection. Plaintiff failed to provide Notice of Default and Notice of Acceleration as required by and/or that complies with Paragraph 22 of the subject mortgage and Paragraph 7 of the subject note. They should have an. UnderRule 1.070 of the Florida Rules of Civil Procedure, the bank has 120 days to serve the borrower with a summons, and the time begins to run on the date that the lawsuit was filed with the clerks office. 1. Access from your Country was disabled by the administrator. The lender should not have the ability to foreclose. PLANTIFF DOES NOT HAVE STANDING PLAINTIFF IS NOT REAL PARTY IN INTEREST: Plaintiff does not have standing to bring this action. We are going to use Example #2 where the lender is unable to produce the original promissory note, you can argue that the plaintiff (the party suing you) does not have any standing to foreclose because the plaintiff is not the real party of interest. If you are the site owner (or you manage this site), please whitelist your IP or if you think this block is an error please open a support ticket and make sure to include the block details (displayed in the box below), so we can assist you in troubleshooting the issue. Adam Smith Enterprises, Inc. v. Barnes, 539 So.2d 549 (Fla. 2d DCA 1989). Kumar Corp. v Norpal Lines, Ltd, et. All rights reserved. Here we reference a previously ruled case to enforce our claim: Kumar Corp. v Nopal Lines, Ltd, et. Since Kumar did not have insurance they were deemed the insurer. We recommend and urge you to consult with an experienced lawyer for professional advice as each case is unique. - We Help Stop Home Foreclosure and Remove Debt Liability-. Co. v. Wooten, 37 So. When a foreclosing plaintiff is unable to produce the original note (and the homeowner has effectively preserved their legal rights with an answer and affirmative defense), a situation arises that is known, in common parlance, as the "show me the note" foreclosure defense. Homeowners may be able to successfully argue the bank is estopped from claiming a default on the mortgage if the homeowner can prove a violation of the rules governing mortgage loan servicing. An indispensable party is one whose interest in the controversy makes it impossible to completely adjudicate the matter without affecting either that partys interest or the interests of another party in the action. A US company (Kumar) sold TV sets and parts to a Venezuelan company (Nava) with an agreement that they would be paid after the parts were sold by Nava. In Criminal and Civil law, an Affirmative defense is a fact or set of facts that if proven by the defendant, nullifies or mitigates the legal consequences of the defendant's otherwise unlawful conduct. 1:12-cv-01963 (Northern District of Illinois 2012) . However, proving fraud is not easy to do because the elements of fraud must be proven with particularity. Was There A Legal Right To Accelerate The Debt? In the context of foreclosure, standing is used to argue the bank is not the proper plaintiff in the foreclosure case. Under Florida Statute 559.715, banks are required to provide written notice to the homeowner each time the mortgage is transferred. An affirmative defense in a civil lawsuit is a fact that defeats or mitigates the consequences of a charge. SOUTHERN DISTRICT OF FLORIDA CASE NO. 6. The Mortgage clearly states that, MERS is the mortgagee. With mortgagee being synonymous with lender, this statement acts to establish MERS as the original lender, rendering them a necessary and indispensable party to this action. an HOA charged too much money or charged unreasonable fees. In case someone fails to pay the required fees/assessments, a lien will be attached to the property. Imagine then some random person you dont know walks up to you demanding the $20.00 that you owe your friend. For more, readOcwen Filing Bad Foreclosure Lawsuits: Is Ocwen Servicing Your Mortgage? Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. The caveat here is that most of these defenses are considered affirmative defenses, which means if a homeowner fails to properly raise them in their answer to a mortgage foreclosure action they may waive their right to use these defenses. These defenses include issues like fraud, the statute of limitations, cancellation, release, incorrect legal description, among others. Mortgages are frequently sold and transferred to other financial institutions. Free Previews available. You need many more to continue bolstering your argument. Plaintiff does not have standing to bring this action. Where did this person get a standing claim for the $20.00 you owe your friend? The "show me the note" and "lack of standing" defenses are usually available only to property owners who both: (a) answer the foreclosure summons and complaint, and (b) assert the defenses in their responses as affirmative defenses. 00-6872-CIV-FERGUSON/SNOW [PLAINTIFF], . Even most of the case references have a quick summary next to them. The Forth District elaborated on this rule in Phillips v. Choate, 456 So. mortgage. Defendant, JOHN DOE, hereby respond to the allegations of the Compliant and state affirmatively: 1. As a matter of equity, this Court should refuse to foreclose this mortgage because acceleration of the note would be inequitable, unjust, and the circumstances of this case would render acceleration unconscionable. Law Office of Ray Garcia, P.A. 5. Determine If Your Home Foreclosure is Eligible to be Defended. A contractor who complies with the provisions of the Florida Mechanics Lien Law, F.S. 1957). Otherwise, the court might decide the charges are not valid. 3d 1009, 1019 (Fla. 2016) ([W]ith each subsequent default, the statute of limitations runs from the date of each new default providing the mortgagee the right, but not the obligation, to accelerate all sums then due under the note and mortgage.). Case No. Each one of the affirmative defense will have a lengthy explanation as to what is wrong with the foreclosure summons and why. Edelstein v. Peninsular Lumber Supply Co., 247 So. Procedural And Due Process Failures As A Valid Foreclosure Defense, Meyerson v. Boyce, 97 So. colonel frank o'sullivan interview; beverly hills high school football Admit that it is an action to foreclose property in Marion County, Florida. Copyright 1999 2023 GoDaddy Operating Company, LLC. And if the HOA begins a foreclosure, don't panic; you might have a defense to the action, like: the HOA charged you too much or charged you unreasonable fees. PLAINTIFF IS NOT THE REAL PARTY IN INTEREST. Call us today at 954-807-1361 or contact our . Typically you will reference previously ruled court cases to help your defense. Proving standing can sometimes be difficult for a bank because in most foreclosure cases the bank seeking foreclosure is not the bank that originated the mortgage loan. % PLANTIFF DOES NOT HAVE STANDING PLAINTIFF IS NOT REAL PARTY IN INTEREST: 2. 3d 149, 152 (Fla. 4th DCA 2016) (dismissing foreclosure lawsuit for lack of standing because assignment of the mortgage took place after the foreclosure lawsuit was filed). al., Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. The Plaintiffs unclean hands result from the intentional failure to comply with material terms of the mortgage and note. 2006-HE6, MORTGAGE PASS-THROUGH These specific rules govern the community, including fees/assessment policy (e.g., what type of fees an HOA is allowed to charge residents). It allows you to create reference points to when you make claims. FAILURE OF GOOD FAITH AND FAIR DEALING: UNFAIR AND UNACCEPTABLE LOAN SERVICING. Ct. App. Above is only one part of the first affirmative defense but I will break down what it is saying piece by piece. The defense of unclean hands is an equitable defense, however, [a]ll mortgages in Florida are foreclosed in equity. Fla. Stat. There are times when the borrower has paid his or her monthly mortgage payments late, but the lender still accepts the payments. %PDF-1.3 & Loan Assoc., 502 So. If a homeowner raises this issue in the foreclosure case, the burden of proving this condition was satisfied may be placed on the lender. by Larry Tolchinsky | Florida Foreclosures, Foreclosure Defense | 0 comments. This is an affirmative duty imposed on mortgage lenders, the homeowner does not have to request this information in order for it to be a requirement imposed on lenders. However, if the foreclosing party is not the original lender, it must prove that it is the holder of the note and mortgage at the time of filing the foreclosure lawsuit and throughout the lawsuit, by submitting a note with a black or special endorsement, an assignment of the note, or an affidavit otherwise proving the plaintiffs status as the holder of the note. 2d 297, 299 (Fla. 3d DCA 1982)(An indispensable party [is] one without whom the rights of others cannot be determined.). Kumar fights back that even though this is true, they have two affidavits signed by Nava that ratified and endorsed Kumars lawsuit. Notably, financial institutions have also been proactive and creative in crafting legal arguments to overcome such affirmative defenses. 3d 1176, 1179 (Fla. 2d DCA 2010) (Because J.P. Morgan did not own or possess the note and mortgage when it filed its lawsuit, it lacked standing to maintain the foreclosure action.). You will also want to reference Florida statutory laws and the laws of civil procedures with your other affirmative defense arguments. Telephone: (954) 455-0800 The Homeowners went to the lender for the purpose of refinancing two To succeed on this defense, the borrower must show that it relied on the plaintiffs misconduct, and suffered an injury. Standing. For instance, there is a 30-day notice of default that must be given before the bank starts the foreclosure process. ([T]he statute of limitations on the balance under the note and mortgage would not continue to run after an involuntary dismissal, and thus the mortgagee would not be barred by the statute of limitations from filing a successive foreclosure action premised on a separate and distinct default.). It is not uncanny to see HOAs trying to foreclosure a property despite provisions in the CC&R not authorizing foreclosure. 5. What are the affirmative defenses to a foreclosure lawsuit? Nopal argued that Kumar did not have standing to sue because there is a Florida statue that says the risk of loss or damage as passed to the buyer (Nava) after items are sold. As we stated in Oakland Properties Corp. v. Hogan, 117 So. By Marc Rapaport | Submitted On July 20, 2009. The documents attached to the back of the summons (a copy of the note and mortgage) are NOT enough to prove the lender can foreclose on you. Thus, the Plaintiff was incorrect in stating that all parties to this action are properly before this Court. Several potential defenses can be utilized in cases involving HOA foreclosure, including cases in which: Other common defenses include situations in which the CC&Rs do not authorize the HOAs charges or do not authorize the HOA to foreclose a property. Under 12 CFR 226.3, a buyer or assignee must notify the borrower within 30 days from the date a mortgage loan is sold or assigned to a new owner. The bottom line is that a homeowner who is served with a foreclosure summons should file an answer with the court in a timely manner. If the mortgage has changed hands between financial institutions (one bank sells the loan to another), then there needs to be proper corresponding assignments of the mortgage and endorsements to the note (or the Allonge). D.O. While the foreclosure is proceeding through the court system, the homeowner will have a right to raise legal defenses to the bank's foreclosure. If you found this information helpful, please share this article and bookmark it for your future reference. Your use of this website constitutes acceptance of the Terms of Use, Supplemental Terms, Privacy Policy and Cookie Policy.