Bank of America is the one that has to stop the sale. Email [email protected] make sure you put the loan number, name and address in the subject line. Start with URGENT Please help.
She is dealing with a lot of these trying to get them rescinded after a foreclosure because of this very thing. If you email her and in the content have all of your proof. Attach the short sale approval along with any pertinent information., names or numbers. This will go along way. Good luck to you. I do not know what state you are in but I hope it goes your way. Let us know.
file a chapter 13 bankruptcy. the sale will stop.
The BK option is to be used as a last resource. Have the client file BK and not present all the paperwork so the BK gets dismissed. That way they have a case# which will automatically stop the sale. Note: once you have a case number you must call the foreclosing attorney and let the know you are calling to notify them your client has filed BK. And then 2 weeks later the case gets dismissed and everything is back where it used to be. If they actually go through the BK in a chapter 7 they must obtain the notice of abandonment or the BK has to be discharged which usually takes 3 months or more. Or in a chapter 13 there must be a court date which usually takes about 30 days to get and then the judge signs the permission to sell the home and approves the payoff to the bank, commission amount, etc. This may vary according to the state. This is for the state of Utah, i am not an attorney, this is only from my professional experience.
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