Summary
Ohio is a judicial foreclosure state, requiring lenders to go to court. Deficiency judgments are limited. You can reinstate the loan before the court confirms the sale. Consider negotiating a repayment plan or seeking help from a credit counselor. Legal aid organizations like Ohio State Legal Services Association, The Legal Aid Society of Cleveland, and Community Legal Aid Services, Inc. Can provide assistance. Mediation programs are available in some counties, such as Cuyahoga Countys Residential Foreclosure Mediation Program. Filing a complaint with the Ohio Department of Commerces Division of Financial Institutions is another option.Full Conversation
I have been fighting a foreclosure for awhile it was a complicated situation with many layers. I was given a trial modification that I completed. But then denied. I paid loan through maturity but there was a balancw.
Hello ****, to provide you with the most applicable information, could you please let me know your current location? Different states have different laws regarding foreclosure.
Cleveland Ohio
Hello ****, here are some key points about foreclosure laws in Ohio:
- Ohio is a judicial foreclosure state, which means the lender must go to court.
- The lender can obtain a deficiency judgment, but it's limited.
- You have the right to reinstate the loan before the court confirms the sale.
Consider contacting a local foreclosure lawyer for more specific advice.
I had tried all that, like I said, I could always Pay, just not a lump sum.
Hello ****, I understand your situation. If you're unable to pay a lump sum, you might want to consider negotiating a repayment plan with your lender or seeking help from a credit counselor. There are also legal aid organizations in Ohio that provide free or low-cost legal advice.
I had applied to legal aid but never heard back as well as another agency
I'm sorry to hear that, ****. Sometimes it may take some time for legal aid organizations to respond due to the high demand for their services. You may want to try following up with them. Alternatively, you can look for other legal aid organizations in Ohio.
Such as?
Here are a few legal aid organizations in Ohio that might be able to assist you:
*. Ohio State Legal Services Association
*. The Legal Aid Society of Cleveland
*. Community Legal Aid Services, Inc.
You can find their contact details on their respective websites.
Is there anything else I can do? It seems that they just wanted to take the house. I made payments for 30 years at *.*%
Hello ****, you might consider filing a complaint with the Ohio Department of Commerce's Division of Financial Institutions. Also, mediation programs are available in some Ohio counties. These programs aim to help homeowners and lenders reach a mutually agreeable resolution.
Where do I find mediation
Hello ****, you can find foreclosure mediation programs in various counties in Ohio. For example, Cuyahoga County offers a Residential Foreclosure Mediation Program. You can check with your local court or the Ohio State Bar Association for mediation programs in your area.
I will try those, thank you so much
You're welcome, ****. I'm glad I could assist you. Please don't hesitate to reach out if you need further guidance. Remember, it's important to act promptly and stay informed in your situation. Good luck!
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Hello ****, it seems like you're acknowledging the information provided. Is there anything else you need assistance with?
Thank you so much again
You're welcome, ****! If you have any more questions in the future, feel free to ask. Best of luck with your situation.
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