Foreclosed house, should I move?

Question

I live with my boyfriend at his house with my two year old son. The house is being foreclosed on and court was on May 1st. I keep asking my boyfriend if he called the bank to see how much time we have till they kick us out. But, he seems to be procrastinating it and saying he forgot, but he will call. I'm getting scared not knowing when and what I should do. If I move before my boyfriend wants to, I have to get housing assistance because I cannot afford to live on my own. Should I go apply for housing assistance now? Any suggestions?

Answer 1

The law is different depending on the state you live in. This is an excellent website with the different laws for each state. http://www.foreclosures.com/www/pages/state_laws.asp?ChangeStatePref=true

You need to find out a few things:
1) When is the sale of the property scheduled?
2) Is there a right of redemption after the sale?
3) If so, how many days?

Since the foreclosure has already gone to court, it should be a matter of public record. You should be able to contact the public trustee (again depending on the state) to find out the information. You don't need to wait for the boyfriend to do it.

Many states do not have a redemption period, so once the sale of the property takes place, the new owners can come in change the locks and you are outta luck.

If you have anything you value in the home, get it out (store it with a friend or relative). Start the application for housing assistance. It would be terrible to come home from work, with your baby in your arms, and then find out that you are locked out of the house permanently. No clothes, no bed, no food, no toys, no momentos, no pictures, no anything -somethings are replacable - but cost a lot, other things, like your son's baby pictures, can never be recovered.

Answer 2

Yes, apply for it now. Sometimes the pocess can be lengthy so it's in your best interest to take action now. It sounds like he doesn't want to face the fact that the three of you are about to be homeless. You've got to take care of you and your son even if it means leaving him there until the mortgage company changes the locks. And that is what will happen even if your belongings are still in there.
Good luck to you both.

Answer 3

I would tell him to lay off the drugs? how does he forget your butts will be on the streets? Also, are your fingers broken? apparently not because you typed this. maybe you should have dialed the bank instead of wasting tome asking us. You have a child to protect. Act like an adult and become responsible. call yourself

Answer 4

Lemme see. This guy's home has been foreclosed on, he's not taking any action to protect you and your kid from being kicked out on the street and his best explanation is that he "forgot?"

And the reason you are still hanging on with this LOSER is...??

Answer 5

Sounds like you are on your own, sweetie. Go to housing assistance and see what they can do for you. Also for your son maybe you can get WIC or food stamps.

Answer 6

this is named funds for Keys, and finding on the loan company they'll try this. although you may desire to circulate away the dwelling house with all the furniture in place and clean. No holes interior the partitions, No puppy Waste on the flooring, the Copper Pipes nonetheless could desire to be there alongside with all the washing room furniture. So quite you circulate away the dwelling house as in case you had offered it and are shifting out of it and leaving it for the hot proprietor. in case you fail to try this, your loan won't supply you with a dime. in case you comply and circulate away the dwelling house in pristine situation, they provides you with funds to circulate. secret's no injury to the dwelling house, you will gets a commission. injury to the dwelling house you will get sued!