I had friends who had a first with one bank and a second with B of A. B of A had agreed to the short sale and did not, at that time, request pay back. The owners received a letter regarding this deal.
The short sale went through almost a year later and the first bank auctioned off the house for less than a previous offer that had been on the table for 6 months prior to auction. The B of A offer had expired.
The owners were not living in the house, but the house was not abandoned eventhough they had moved to another state. Taxes, maintenance, and utilities were paid.
After the auction, the new owners moved in. Suddenly the B of A began taking mortgage payments from the original owners' bank account which was still in tact. After 2 withdrawals of mortgage payments, the original owners closed the account to prevent B of A from taking any more money.
The original owners have tried to clear up what is going on and ask for help. They have received no responses.
Are they still liable for the B of A mortgage as a lien?
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I don't understand one of your statements, "The short sale went through almost a year later and the bank auctioned off the house". The bank doesn't auction off a house, if a short sale was done. The short sale has to have both banks agree to it and in the time frame they set. It sounds like a foreclosure not a short sale.
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