Upcoming Foreclosures

How long does the foreclosure process take in Ohio? I have not yet received papers, but I was wondering how long it usually takes and how long I can stay in my house after foreclosure.

What is the eviction process after buying a house at foreclosure sale in Ohio? Is there a way to evict without having actual deed? It may take 6-8 weeks to receive the sheriffs deed. The sheriff will evict but that takes at least 2 months from confirmation of sale. I want to use local municipal court which is much quicker.Is a writ of possession from sheriff enough in an eviction?

Filing Chapter 7 in Ohio. House foreclosure question about timing of filing? Filing in Franklin County. Told by our attorney that the foreclosure process will take at least 7 months. We do not want to keep the house. I thought that if we file the chapter 7 that the debts would be discharged and the property would go back to the creditor in the next 2-3 months, meaning the house would go back to mortgage company. Attorney says that by filing now we will still have the same amount of time for the foreclosure to proceed and may stay in the house. In other words by filing and having the process start now we will NOT accellerate our need to move out of the house. I was planning on holding off the filing although it is stressful but see no reason too if we can still stay in house till the long drawn out foreclosure process completes. Anyone out there who knows if the Attorney is right or not? Thanks

foreclosure questions (ohio)? today we got a pink slip on our door saying to contact someone about our house to work something out. we called but the office was closed. what are the next steps if we want to save our home? how far into the foreclosure process are they or has it even began? thanks.

I need some foreclosure info in Ohio, please!? My home is beginning the foreclosure process. We can no longer afford it and our property has dropped in value almost 50%. I'm worried about the bank coming after us for the amount we owe. Does that happen to evryone who forecloses? Should we file bankrupty to avoid this? I don't know what's going to happen as far as the aftermath of this. Please help. What was your experience if any? All I know is our credit will be messy for awhile. Please help, I'm extremely stressed out about this and any information will be helpful. Thank you!

what is the process for foreclosure? Info related to Georgia and Ohio only please.

Foreclosure-I want to move out of state? My fiance and I are going through the foreclosure process on a home we own in Ohio. I want to move to California to stay with family but the scheduling is delicate. Do I have to stay in my house until the foreclosure goes through or until we get evicted? I would like to move early if possible, because I need to make plans before I am forced to move. Thanks for the insight!

is it ever too late to stop foreclosure we really don't want to lose our home and at first had this defeated attitude now we are realizing we have more options than we thought. is it too late to act on them? the foreclosure process started in april or may and we live in ohio if that helps. we went to court about a month and a half ago or so with the option of reinstating our loan but we haven't turned the proper paper work in yet. what would be some good steps to take from this point to save our home? thanks.

What does it mean to vacate in a foreclosure? I was the winning bidder at a sheriff sale in Ohio. The plaintiff has filed a motion to vacate, what does this mean? Also, the previous owner is still in the home how can we get him out and make sure he doesnt destroy it in the process? Any advice would be greatly appreciated.

Can I legally get back into my house during foreclosure? I'm in the process of bankruptcy and we're foreclosing on our house. We've moved out already, however, we still have some things I'd like to get out if I can. Problem is: there is a lockbox on the door, and it went up for a sheriff's auction this past Friday (and it did sell). I am assuming that we've lost our stuff, but I thought I'd ask here anyway. This is in Ohio in case that matters.

How to go about personally refinancing a relative's mortgage (in Ohio)? A relative in Ohio missed a few payments on her house and narrowly missed a forced foreclosure auction. I'd like to bail her out somewhat by taking over her mortgage from the existing mortgage company. She would then be making payments to me instead of them, and I'd be a LOT more willing to forgive a missed payment or three. (Also her payments would be a lot less, even if I charged, say, 4% or 5% on the balance -- and no, I'm NOT trying to get rich off her or gouge her!) It really sounds to me like a refinance process, where she would be refinancing her home, but through me instead of a traditional lender. (I have enough cash to pay off her existing mortgage and separate lien.) But I don't know how to get the process started, or what kinds of paperwork I'd need to provide. Anybody else go through this before? Or be able to tell me who to talk to, or where to go? (Be nice, now ...) Thanks, Ed

Foreclosure Fees? Foreclosure was started on my Ohio house December 14, 2007. I was able to pay all of the back payments plus late fees on January 2, 2008. So, the home was rescued from foreclosure. But now, here is a list of new fees the lender sent me stating that I owe. Does this make sense to you? Any way to verify them? 140.00 process server fee 287.50 partial foreclosure attorney fees 15.00 property inspection fee 391.00 title search fee 17.00 skip trace fee 290.00 court filing fee 575.00 initial foreclosure attorney fee to open the case. Greatly appreciate your help! I'm not asking if I owe them, I know I do, I'm asking if they are legit and if the costs sound correct to you. And yes, I know had I kept my payment current it wouldn't have happened. My wife gave birth to our second child that was ill and almost bankrupt us in medical bills so telling me to stay current or this wouldn't have happened isn't helping me answer this question. Hey Mary, you have NO idea what you are talking about calling me foolish! These were not only hospital payments that had to have arrangements made but actual equipment she needed that had to be paid for up front and private duty nurses to merely keep her alive. It was pay for these services or she died and the medical insurance I had through my employer was an HSA that did not pay until I paid the first $12,000 family deductible in expenses. Choosing between her living and my home sorry, I chose my daughter! And I didn't ask for your opinion on my choices, BIOTCH, I asked about the fees! You have no right to judge my choices.

can i stop my home from going into a sheriff's sale(because of foreclosure)? i live w/my boyfriend, and our home is only in his name. we just got a sign taped to our door saying "this property has been levied on by the sheriff of summit county and will be sold at (downtown's court add.). sale date:9/10/10. we had bought our house back in 2003. because of the disease i had gotten in 2006, i started filing for S.S.D., and currently preceding through the very long appeal process (after the 2 previous social security disability denials since becoming permanently disabled-i have a lawyer) which can take up to 2 yrs. after being unable to work for 12 consecutive months. falling behind on our mortgage was the result of my inability to work due to my RSD(Reflex Sympathetic Dystrophy)/CRPS(Complex Regional Pain Syndrome), and the foreclosure later begun. i love our home and am scared, we want to try and save it if possible. now, with the impending sheriff's sale i can't even sleep at night, we have two daughters and a wonderful home and life here. i live in akron,ohio. everywhere you turn in akron seems to be another empty home. today alone, i have spent 3+ hrs. trying to research what we can do to save our home. i'm not sure even with our house not only going through a foreclosure but having a judicial auction will speed up my disability claim to possibly save our dream home. any advice is much appreciated. this is a scary and confusing process and i know time is off the essence.

Should Obama be worried that foreclosures during April are UP 32% from last year? Seems like this whole house of cards is coming down soon enough. http://finance.yahoo.com/news/RealtyTrac-April-foreclosures-apf-15225719.html The number of U.S. households faced with losing their homes to foreclosure jumped 32 percent in April compared with the same month last year, with Nevada, Florida and California showing the highest rates, according to data released Wednesday. Ohio was in the top 10............"We've never seen two consecutive months like this," said Rick Sharga, RealtyTrac's senior vice president for marketing. "It's the volume that's surprising." While total foreclosure activity was up, the number of repossessions by banks was down on a monthly and annual basis to their lowest level since March of last year, RealtyTrac said. But that's far from positive news. Because much of the foreclosure activity in April was in the default and auction stages -- the first parts of the foreclosure process -- it's likely that repossessions will increase in coming months, RealtyTrac said. alarmist...........I didn't forget. alarmist........also, are you implying these numbers are somehow positive??

Low fico score need advice-bad credit? I got divorced last year in the process I lost my house to foreclosure,car was repo-ed and my credit now looks like sh-t..I make $65.000 a yr and i'm looking to move from Fla to Ohio, about 8 to 12 months from now. I need to get my credit to a point where I can rent a nice place when I move anyone have any ideals that could help me..Web sites..etc.. I only have 8 to 12 months before I move

Low fico score need advice- bad credit? I got divorced last year in the process I lost my house to foreclosure,car was repo-ed and my credit now looks like sh-t..I make $65.000 a yr and i'm looking to move from Fla to Ohio, about 8 to 12 months from now. I need to get my credit to a point where I can rent a nice place when I move anyone have any ideals that could help me..Web sites..etc.. I only have 8 to 12 months before I move I only have 8 to 12 months before I move

can i stop my home from going into a sheriff's sale? i live w/my boyfriend, and our home is only in his name. we just got a sign taped to our door saying "this property has been levied on by the sheriff of summit county and will be sold at (downtown's court add.). sale date:9/10/10. we had bought our house back in 2003. because of the disease i had gotten in 2006, i started filing for S.S.D., and currently preceding through the very long appeal process (after the 2 previous social security disability denials since becoming permanently disabled-i have a lawyer) which can take up to 2 yrs. after being unable to work for 12 consecutive months. falling behind on our mortgage was the result of my inability to work due to my RSD(Reflex Sympathetic Dystrophy)/CRPS(Complex Regional Pain Syndrome), and the foreclosure later begun. i love our home and am scared, we want to try and save it if possible. now, with the impending sheriff's sale i can't even sleep at night, we have two daughters and a wonderful home and life here. i live in akron,ohio. everywhere you turn in akron seems to be another empty home. today alone, i have spent 3+ hrs. trying to research what we can do to save our home. i'm not sure even with our house not only going through a foreclosure but having a judicial auction will speed up my disability claim to possibly save our dream home. any advice is much appreciated. this is a scary and confusing process and i know time is off the essence.

Foreclosure Fees? Foreclosure was started on my Ohio house December 14, 2007. I was able to pay all of the back payments plus late fees on January 2, 2008. So, the home was rescued from foreclosure. But now, here is a list of new fees the lender sent me stating that I owe. Does this make sense to you? Any way to verify them? 140.00 process server fee 287.50 partial foreclosure attorney fees 15.00 property inspection fee 391.00 title search fee 17.00 skip trace fee 290.00 court filing fee 575.00 initial foreclosure attorney fee to open the case. Greatly appreciate your help! I'm not asking if I owe them, I know I do, I'm asking if they are legit and if the costs sound correct to you. And yes, I know had I kept my payment current it wouldn't have happened. My wife gave birth to our second child that was ill and almost bankrupt us in medical bills so telling me to stay current or this wouldn't have happened isn't helping me answer this question.

Bitten by H.A.M.P. now facing foreclosure!? Is listing on MLS optional? I live in Ohio. We were late on one of our payments and we received a letter in the mail from US Bank informing us of the H.A.M.P. program. We said to ourselves, "would we like to lower our monthly mortgage payments? ... Of course!" ... so we applied. We had no idea this was going to be the beginning of a nightmare. We were sent another statement, we called in and asked about our application. US Bank: We were told, "Oh no! You don't want to make a payment if you've applied for H.A.M.P.!" Us: "Well, what do we do?" US Bank: "Just wait, it takes time to process, we'll contact you. Give it 3 or 4 weeks." Late notices start coming, and calls are rejected automatically because they (US Bank) do not have the time nor manpower to handle the paperwork. We called again ... Us: "Should we re-apply?" ... US Bank: "No, that will only further complicate things." Long story short, we are now in foreclosure and are confused on how we even got here? We are not trying to work things out, they just simply will not allow us. We've even tried making a payment over the phone. What options do we have to stop foreclosure? ... and ... What if we want to sell our house? Can it be listed in the MLS if it's under foreclosure? *Folks, please, please, please stay FAR AWAY from H.A.M.P. (Home Affordable Modification Program)!!!

karen tumulty should be nominated for the best jounalism 2008? How to Pick a Veep Jun. 23, 2008 | By KAREN TUMULTY ...to picking vice-presidential nominees...of Vice President should tell...three-star running mates. The right... 1591 words | view cover So who might be pizazz choices for this year's contenders? McCain might turn to his longtime hero Colin Powell, the former Secretary of State and Chairman of the Joint Chiefs of Staff. =========================================== One of the stranger ironies the Constitution has bestowed on American politics is this: some 50 million people just finished choosing the parties' two nominees in a grueling, yearlong primary campaign that cost millions of dollars and captivated the world. But when it comes to picking vice-presidential nominees, only two people on the planet get a vote: John McCain and Barack Obama. Between an explosion of democracy in the spring and an even bigger explosion of self-determination in the fall is a brief interlude of, well, something that Vladimir Putin could probably live with. Related Articles The Keys to McCain’s VP Pick When you are running for President, you can’t exactly just have a few friends over on the weekend, e... Wooing New Hampshire’s Undeclared The guy in the purple "I’m a health care voter" shirt stands up to ask a question at a John McCain t... Romney Frees McCain for New Fight When Mitt Romney stepped forward to announce his endorsement of former rival John McCain, the former... McCain: Frail with the Far Right John McCain emerged from Super Tuesday the undisputed heavyweight in the fight for the Republican pr... Everyone knows that the main qualification for the vice presidency is being ready, at a moment's notice, to step into the most powerful job in the world. But what qualifies you to do the job and what qualifies you to get the job may involve two completely different calculations. Both McCain and Obama have their selection committees already at work scouring candidates' financial and personal backgrounds, voting records and public statements. In a sudden setback that could slow the Democratic nominee's search, Obama lost his top Veep hunter, Jim Johnson, after the former Fannie Mae executive came under scrutiny for accepting preferential mortgages from a lender linked to the foreclosure crisis. Both camps will finish their work by early August, if not sooner. When they do, the choice of Vice President should tell us something — maybe a lot — about how McCain and Obama think and how they could run the government. There are a lot of ways to choose a Vice President, and each comes with risks. Here are five of the most reliable: 1. Play to Your Strength Perhaps the fastest way to send a message about who you are is to pick someone who appears to be ... just like you. In 1992, Bill Clinton picked another Southern baby boomer with a moderate record and a full head of hair. Then Clinton, Al Gore and their wives took a bus trip that looked like a rolling scene from The Big Chill. Picking Gore reinforced Clinton's claim to be part of a new generation of Democratic pols, liberated from the tired (and losing) politics of the past. If McCain were to take a similar approach, he might pick a No. 2 who has strong national-security credentials or another maverick who defies party labels — perhaps someone like independent Connecticut Senator Joe Lieberman. By this standard, Obama might opt for a partner who is young and charismatic and also breaks a historic barrier of race or gender — perhaps Kansas governor Kathleen Sebelius — or one who transcends partisan politics, like Republican Senator Chuck Hagel of Nebraska. 2. Look at the Map An old-fashioned road atlas is a good Michelin guide for three-star running mates. The right choice can add balance to a nominee whose roots may seem a tad too effete to go over well in the heartland — or add some coastal glitz to a rural candidate's prairie-flat steadiness. As it happens, the last two candidates to make their picks with geography clearly in mind — John Kennedy in 1960 and Michael Dukakis in 1988 — were both from Massachusetts. And they both picked Texas Senators — Lyndon Johnson and Lloyd Bentsen — for the second spot on their ticket. More narrowly, the map can help a nominee make a play for a state that is crucial in November, though that is never a sure bet. Kennedy, with Johnson as his running mate, squeezed by Nixon to win Texas with a margin of merely 46,000 votes, in what turned out to be one of the closest elections in American history. But Dukakis got swamped in the Lone Star State, where Bentsen's considerable popularity was no match for the thrill of having another Texan, George H.W. Bush, in the Oval Office. This year, given the closeness of the race and the importance of winning a few battleground states, McCain and Obama will keep at least one eye on the Electoral College map right through November. That means Obama will be considering choices like Ohio governor Ted Strickland (though Strickland says he would turn down the offer) or one of three possibilities from Virginia — Governor Tim Kaine, former governor Mark Warner or Senator Jim Webb. Or perhaps a Westerner like Montana governor Brian Schweitzer. McCain might get an Electoral College boost by picking Minnesota governor Tim Pawlenty, Pennsylvania's ex-governor Tom Ridge or former rival Mitt Romney, who has family roots in pivotal Michigan. 3. Shore Up Your Weak Side On the other hand, the nominee might need a partner who compensates for his vulnerabilities or perceived weaknesses. That was plainly what George W. Bush had in mind in 2000 when he picked Dick Cheney, a seasoned Washington insider with a long foreign policy résumé (who also happened to be heading up Bush's vice-presidential-selection process). And Gore knew that in picking Lieberman, who had been one of Bill Clinton's harshest Democratic critics during the Monica Lewinsky scandal, he was buying some distance from the incumbent Commander in Chief. In McCain's case, any doubts that voters have about electing a 72-year-old President might be allayed if he tapped someone far younger. And it wouldn't hurt, in a year when gasoline prices and financial jitters have moved past the Iraq war to the top of voter concerns, to look for a sidekick who is more comfortable than McCain is with economic policy. It may well turn out to be someone about whom the conservative base, which is a little leery of McCain, is more enthusiastic. Some possibilities the two might want to consider as hedges against their shortcomings: McCain could pick Romney or Pawlenty, both of whom have executive experience and relative youth, or perhaps an economic-policy expert like former Ohio Congressman Rob Portman, who served as both budget chief and trade representative for Bush. Obama, however, might want to address concerns about his youth and inexperience by picking a running mate who is older and has strong national-security credentials. He could turn to seasoned, silver-haired foreign policy experts like Senate Foreign Relations Committee chairman Joe Biden or former Senate Armed Services chairman Sam Nunn. Pennsylvania governor Ed Rendell or former South Dakota Senator Tom Daschle would add some experience as well. 4. Hug Your Rival Even after a long, hard primary fight (and sometimes because of it), the ultimate winner almost always has to consider bringing the loser aboard the ticket. That's what Ronald Reagan did when he picked George H.W. Bush in 1980 and how John Kerry came to choose John Edwards in 2004. Sometimes party unity simply demands it. "We ended up with the obvious choice," says adviser Bob Shrum of Kerry's decision to tap Edwards. "People in the party overwhelmingly wanted him." Then again, a former adversary can have extra baggage. For one thing, there will be lingering tensions and suspicions that former rivals still harbor ambitions of their own. The other party is certain to dredge up every damaging sound bite — "Voodoo economics!" — that your former rival hurled in your direction back in February. These worries are usually overcome. Already it's hard to miss the steady thaw in McCain's once frosty relationship with Romney as the former Massachusetts governor throws himself — and his formidable fund-raising operation — into campaigning for the man who beat him. And Hillary Clinton's supporters — starting with her husband — are letting it be known that they expect Obama to give her serious consideration. 5. Hire Some Pizazz Some nominees find themselves in need of excitement. That explains why Walter Mondale tapped Geraldine Ferraro, the first woman on a national ticket, in 1984. "This is an exciting choice," he said at the time. Within weeks, Mondale did not see it that way. Given their difficult history of tangling over just about everything, hardly anyone would have expected Bob Dole to pick Jack Kemp as his running mate in 1996 — least of all Kemp. As little as three weeks before he was selected, recalls Dole's campaign manager, Scott Reed, Kemp was grumbling in GOP circles that he hadn't been given a speaking spot at the party's convention. So why did Dole pick him? "We were going for oxygen, heat and energy," Reed says. "We went through the traditional list, and we just weren't happy with what we were coming up with." Kemp later turned out to be far more complicated a partner than Dole or Reed had imagined. So who might be pizazz choices for this year's contenders? McCain might turn to his longtime hero Colin Powell, the former Secretary of State and Chairman of the Joint Chiefs of Staff. Excitement is hardly what Obama needs, but he could pick a woman, such as Sebelius or Arizona governor Janet Napolitano, who might force McCain to spend more time in his otherwise safe home state. But if you venture too far out of the box, voters will scratch their heads sooner or later — and eventually you might too. George H.W. Bush seems to have entered his Veep wish list into one of those dating computers back in 1988. That year he stunned nearly all his advisers when he tapped someone whose Midwestern roots were an antidote to his privileged Kennebunkport background, who was young to his old, who could balance his moderation with a dose of conservatism, and came up with Dan Quayle. The ticket beat the Democrats that fall, but by 1992 even Bush was trying to nudge him off the ticket. The ploy failed. Which is a reminder that however you choose a running mate, another rule will always apply: hard as it is to find a good one, it is sometimes harder to get rid of a bad one.

Home Being Foreclosed, when to move?? We are in the process of having our house foreclosed. We are going to try to do a Pre-foreclosure sale or a Deed in Lien foreclosure on the home. We are going to have to rent & we have found a place that is good for us, but we are unsure on when we can leave. The rent for the place we found is more than our house payment. However, the overall cost of living is less. So, we would be saving money. The foreclosure is in the complain process. Meaning, in the state of Ohio, we have 28 days to respond. If we dont, then it will go tot he courts for them to allow them to foreclose. I am not sure if the courts will check to see if we are renting or not. My question is, is it okay if we just move out & get the new place to rent or will the courts check us & could we then be getting ourselves in some trouble??