Is there a "FORECLOSURE HEARING" in all foreclosures?

[Alabama=Screwed]

What is the name of your state? Alabama

Can anyone tell me if there is a "Foreclosure Hearing" in all cases of foreclosure?

If so, what kind of evidence is the homeowner allowed to present as defense
to saving their home?

Please, would all of you in the "String him up!" mob that's assuming I'm just a
"Dead beat", without any facts to base it on please, just wait! I know you're all
"itching" to "flame me" or point out what a "Bad guy" I am, who doesn't want
to take his punishment after not living up to his end of a contract that he
signed. You won't be denied your turn to "Rip & Tear" at me! All
I'm asking is that you give others a chance to answer to the questions first.
(That also goes for all of you who want to "flame me" for saying the above. You
too will get your turn.)
Thank You.

[lcannister]

To others who would post PLEASE read the other posts concerning this issue before responding as your answers are probably already in those posts!

The poster considers common sense and the only advice we can give ,not having all the paperwork, to be FLAMING!

The defense the poster wants to give is predatory lending.

[lcannister]

Have you done any kind of a search on Foreclosure on the internet? When I just did concerning Foreclosure Hears I get tons of hits that might help you understand the process.

[FlyingRon]

'Bama...stop ranting.

I'll say this again as I explained in your previous thread.

You're not entitled to any hearing nor any notice other than the notice of delinquency that you most assuredly have already received.

Most mortgages are written with a power of sale clause that allows the lender to proceed on the foreclosure. All that is required, as I said before, is public notice of the sale. The only time you get any hearing or judicial review is when the lender choses to take possession via means other than a public sale.

[ADBunting]

Just like I said...

You just waved a red flag in front of these guys. Asking for an honest response based on a different point of view just gets them crawling out of the woodwork.

I'll have a look around and see what I can find. My guess would be that you would certainly have to be informed of any hearing because you would have had to get notices to be able to rectify any back payments. (so to speak...it's late and not the "proper" term used for it before any of the GOBC jumps down my neck as well...)

Susan

[lcannister]

because you would have had to get notices to be able to rectify any back payments

Which would have been done several times before FORECLOSURE started.

Strange but you too considered advice contrary to what you wanted to hear as being mean, nasty and ugly!

The internet is full of information with a simple search, nothing mysterious and hidden unless you are looking for info that you want to hear rather than the reality of the situation.

Read the post back to May last year then ask why the OP is just now getting frantic.

[Alabama=Screwed]

By the way, before becoming disabled and poor, I hired enough attorneys
to realize, even though much better paid, they were still another one of
MY EMPLOYEES, so (unlike most of the posters coming here for advice) I'm
neither intimidated by them, nor consider them, (or "wanna be's") to be the
"gods" the unenlightened do.

If saying that, results in my getting no help on this forum, I really haven't
lost anything, because lcannister and other "A-holes" like him, are going to
make sure that doesn't happen anyway!
In fact, I believe he ALREADY HAS! So I'll continue my efforts to save our
home elsewhere, dispite all of lcannister efforts to make me give up.
I CAN"T give up! We have no where else to go. And no money or anything of
any value left.


I can't think of anything I have more contempt for, than:
"Contempt prior to investigation"!!!

[ADBunting]

I certainly empathize with you. For one, there are certain blowhards that assume that NOthing is the fault of anyone but the person seeking honest input. Even that comment that you mentioned, "Most Assuredly" implied that you were either too stupid to respond or that you somehow were at fault for ignoring it or something. <check in the mail kind of thing?>

To all you guys...THIS IS NOT USEFUL PEOPLE! People post here to get some sort of dialogue going. We do not want to hear snipes. We do not want to hear that the glass in your opinion is half full or in danger of tipping over. Plus we MOST DEFINITELY don't want you to rag on us relentlessly to believe that the glass is half empty or in danger of tipping over because YOU do!

I'm also guessing that they are also on the offensive end of sales/landlord relationships and are probably one step away from being designated a slum lord... For sake of argument I'm just guessing but methinks they protest too much. Obviously the renter/buyer is always wrong to these guys, just like my position with a seller that is trying to turn a sale into a rental by fraud and coersion with a RE Agency to not follow professional ethical proceedure...jeez....what is really a problem with expecting an agency that trained and is licensed to do their job? Well, these guys seem to think so.

In any event do you have any links or info on the "Loss Mitigation &
Special Forbearance Program"? I've never heard of it, but I can't imagine that someone in dire straights would have to come up with the entire amount of missed payments almost instantly that acrued during the however long stretch of time. What does your Loss Mitigation say?

In a foreclosure you would definitely need to be informed of it in order to have a chance to bring it up to current status. The Loss and Mitigation thing has me stumped though.

April

[Ozark_Sophist]

If there was a foreclosure hearing, the only evidence you could submit that would allow you to keep your home is evidence of payments made. What clause in your contract would you argue that would forstall foreclosure?

[panzertanker]

Originally Posted by ADBunting

I certainly empathize with you. For one, there are certain blowhards that assume that NOthing is the fault of anyone but the person seeking honest input. Even that comment that you mentioned, "Most Assuredly" implied that you were either too stupid to respond or that you somehow were at fault for ignoring it or something. <check in the mail kind of thing?>

To all you guys...THIS IS NOT USEFUL PEOPLE! People post here to get some sort of dialogue going. We do not want to hear snipes. We do not want to hear that the glass in your opinion is half full or in danger of tipping over. Plus we MOST DEFINITELY don't want you to rag on us relentlessly to believe that the glass is half empty or in danger of tipping over because YOU do!

I'm also guessing that they are also on the offensive end of sales/landlord relationships and are probably one step away from being designated a slum lord... For sake of argument I'm just guessing but methinks they protest too much. Obviously the renter/buyer is always wrong to these guys, just like my position with a seller that is trying to turn a sale into a rental by fraud and coersion with a RE Agency to not follow professional ethical proceedure...jeez....what is really a problem with expecting an agency that trained and is licensed to do their job? Well, these guys seem to think so.

In any event do you have any links or info on the "Loss Mitigation &
Special Forbearance Program"? I've never heard of it, but I can't imagine that someone in dire straights would have to come up with the entire amount of missed payments almost instantly that acrued during the however long stretch of time. What does your Loss Mitigation say?

In a foreclosure you would definitely need to be informed of it in order to have a chance to bring it up to current status. The Loss and Mitigation thing has me stumped though.

April

Originally Posted by ADBunting

Yesterday 12:55 AM
ADBunting Just like I said...

You just waved a red flag in front of these guys. Asking for an honest response based on a different point of view just gets them crawling out of the woodwork.

I'll have a look around and see what I can find. My guess would be that you would certainly have to be informed of any hearing because you would have had to get notices to be able to rectify any back payments. (so to speak...it's late and not the "proper" term used for it before any of the GOBC jumps down my neck as well...)

Susan

Is there a reason you cannot figure out if you want to be April or Susan?

[Alabama=Screwed]

One of my post is missing!

How could that happen?!!

[ADBunting]

I've been called April since 4 days old but due to problems involving a disappearing Ex with all kinds of support documents I'm left with my birth certificate, which says Susan.

So yes it's confusing.

I could tell you all about it but you'll have to wait for the book to come out.

AprilSusan

[Alabama=Screwed]

April / Susan,

You mention a couple of things that were in one of my previous post:

Even that comment that you mentioned, "Most Assuredly"

and

the "Loss Mitigation &
Special Forbearance Program"? I've never heard of it, but I can't imagine that someone in dire straights would have to come up with the entire amount of missed payments almost instantly that acrued during the however long stretch of time.

Do you still SEE my post you are referencing in your above quotes??? Because I DO NOT! It obviously got posted and was read at least by YOU! But now has DISAPPEARED, with no notice from moderators saying it was deleted or giving a reason for it!

Please reply so that I know THIS one got posted.

Thanks,
Joe