Have you recently received a 3-piece notice stamped and taped on your front door?

That is a notice of trustee sale!

That means there is already an official auction date recorded with the county records where people can bid on your property on that date and essentially win it. Even if nobody bid on it and the property fell back into the bank’s possession, the house would still no longer be yours.

This must be very stressful for you and your family.

Here are a few things to keep in mind if you are officially facing an auction deadline:

• For a non-judicial foreclosure (which is almost every case in California) where the lender does not need to go through the judge to foreclose on your property, the final decision on the date of the auction is, unfortunately, irreversible!
• Not every lender is the same! And thus, the available methods to postpone the auction or obtain temporary indulgence always vary on a case-by-case basis. A hard money lender would react differently than a direct big bank like Wells Fargo. Thus, you would want to make your move not only legally but strategically. Some banks are ruthless, and others are non-communicative, so every claim and promise of an extension on the deadline from the bank should be presented in some form of official writing with traceable employee email addresses.
• Filing a bankruptcy chapter (even though you might not be approved by the judge) to stop a foreclosure by default, although recommended by many companies, not only damages your credit scores but also negatively affects the ability to negotiate with the lender for a true resolution. In our experience, the lenders can always have their attorney revoke the bankruptcy filing if they want to.

… The list can go on for a few more pages because foreclosure is, by no means, a simple matter.

But allow us to save you some time…

At FCRelief., we can give you a variety of options to stop or delay your foreclosure. Whether you need a short sale or loan modification to be approved, or you simply want extra time to close on your refinance, reverse mortgage, or sale of the property, we can stop and resolve your foreclosure completely or delay it from 3 months to 6 months, if not more. Bankruptcy is not our priority.

Our team of experienced foreclosure specialists, partner attorneys, and paralegals have amassed years of shared experience in everything foreclosure-related in the state of California. Whether you are facing an upside-down situation, an illegal foreclosure, business default, auction during probate, or anything foreclosure-related that is tricky, we are the right team to help you fight the timeline, negotiate with the lenders, save you some money, and sort everything out once and for all.

It’s time to let the highly trusted professionals take the stress and the anxiety off your mind so you can finally get back and continue with better things in life.

Contact Us Today! 👇