Colli Real Estate

Information about Foreclosure (Our house was forclosed)?

First my dad got a divorce then he ended up loosing his job and the mortage company knew of this. He took my moms credit cards before the divorce and put them on our paid off house. He then was unable to make the payments and we got a paper taped to the door that our house was going to be foreclosed, we have not got any actual legal papers or anything. The paper taped to the door said an auction date. My real question is how many days do you have to get out of the house? and can they take your stuff and switch the locks and not let you have your things… (I have dogs so i doubt they would go in the house or would they get a animal control person out?) Please help me.. I live in Michigan if that helps on some foreclosure information

Trust me, legal papers have been sent long before the notice was on the door(YES, the sheriff does come and tape the notice to your door..)…you just dont know about them. It’s not possible that your house is paid off , otherwise there wouldnt be a mortgage and your house wouldnt be in foreclosure.Yes, they will go in your house and throw all your belongings into the yard and then they will be hauled away(after your neighbors take whatever they want)Once the house is empty, they will change the locks.Yes, they will have someone come out to take the dogs to the humane society.As far as when you need to be out..that entirely depends on whether or not someone actually buys it. If nobody does than it’s up to the mortgage company and the sheriff that held the auction…you can find out the exact date by contacting either one.You actually have quite a bit of time til you are evicted…as there is a redemption period after the auction of 6 or 12 months where you can try to get a new mortgage…when that time frame is up, you will have anywhere from 1-3 months before eviction…the sheriff will put another notice on your door telling you when the eviction date is..so it wont be a surprise, you’ll have time to move and the horrible scenario that I explained above wont have to happen. I’m sorry you and your family are going through this, but it’s not the end of the world…I promise

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