Homeowner Foreclosure Responsibilities

Summary

Homeowners in Pennsylvania who lose their homes in a foreclosure auction may still be responsible for additional legal fees. If you suspect fraud or misconduct, such as receiving falsified court documents, its crucial to verify the authenticity of these documents with the Philadelphia Court of Common Pleas Civil Division. You can also file a complaint with the Pennsylvania State Bar or the Pennsylvania Disciplinary Board. Consulting a local attorney is highly recommended for personalized legal advice.

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$*,* plus money for filing for the court order plus money for him going to court plus some type of executive fees or something like that and interest also prior to the home being sold at auction I received a letter from the bank's attorney telling me that if I would send him the balance due on the past that he would stop my foreclosure why would I pay him instead of sending the money to the bank cuz he asked me to make a check out to him for the balance that was due for the mortgage and he would stop all legal actions
Did you receive any written agreement from the bank's attorney stating that paying him directly would stop the foreclosure?
No not at all you have another question if my home my last court date where the judicial judgment came through was June 6th * he's sending me paperwork saying that the judgment was made in December of *
What is the name of the court where the judgment was made?
Philadelphia Pennsylvania Court of common pleas civil division
What is the name of the bank's attorney and the bank involved in this case?

General Information:
- Philadelphia Court of Common Pleas Civil Division: * Filbert St, Philadelphia, PA *, USA. Phone: +* *-*-*.
Citizens Bank the lawyer's name is Gregory javardian
What is the nature of the court order that attorney Gregory Javardian sent you?
The heading is in the court of common pleas first judicial district civil trial division it says exceptions to share sale distributions my mortgage balance was $$*,* he is saying that the total debt is $*,* and also my home was sold June 6th * and since then I have received two statements from citizens Bank for 2 months of mortgage payments and when I spoke to citizens Bank about the court order I received they were not aware that they couldn't even pull up any paperwork on the house and we're not aware that the house have been sold or that a court that that a court order had been issue
Did you receive any official documentation or notice about the sale of your house from the court or the bank?
No now that kind of think of it I never received any type of documentation from citizens Bank clearing the loan or from the city sheriff's department that the home have been sold and upon looking and checking the deed online it's still in my mother-in-law's name it was sold to a third party
Have you contacted the third party who supposedly bought the house?
No I haven't because I didn't want to do anything without first consulting an attorney and also a lot of court paperwork that I received it was just placed in my doorway I never signed for anything the whole process of the Court proceedings
What is the name of the third party who supposedly bought the house?
I'm not I can't find the name of the person but here in the the the document that was issued for the judgment because July 21st citizens that was listed at *,* $* with * cents and $* for interest and he says it did not include corporate advances escrow advances interest and accumulated late fees all accumulated they fees and everything were included in my debt on my on my mortgage statements in addition he's saying additional legal fees of * have been incured after the sale and are due and owing after the sell the house why would I have to pay their attorney I think he's committing fraud something is illegal
Did you receive any official notice from the court or the bank about these additional fees and charges after the sale of the house?
No I did not like I told you the bank wasn't even aware of any of anything that was going on at all because why would they keep sending me monthly statements for payment of mmonths after the house was sold and the balance keeps increasing because of non-payment and interest when they've been paid by the judicial judgment in full June 6th * but I received the last statement August 4th *
Did you consult with a local attorney or legal aid service about this issue?
No I wanted to get some advice prior to contacting attorney to see if someone could give me some type of enlightenment on whether this attorney is doing something that's not right and to guide me in the right way so that I know what to say to an attorney when I talk to them
What is the status of the deed of the house currently?
Because I didn't receive any of the signed documents until after I spoke with citizens Bank about the continuing Bank statements and why they were requesting more money than what was owed on the home and they haven't already paid in full from the proceeds at auction
What is the current status of the deed according to the online records you checked?
Current status that we saw two days ago was that it was still in my husband's mother's name it had never been transferred
Did you or your husband's mother ever sign any documents transferring the deed to the third party?
My mother's husband died in * and he was the only heir and we even questioned citizens Bank on why they never offered him the right to assume the mortgage since he was the only living heir and was administrator of the estate
Did your mother's husband leave a will, and if so, was the property mentioned in it?
She was never married and the will the will she left everything to my husband and his brother and his brother proceeded her and death any other persons that could have cleaned on your State signed off at the profanetaries office and citizens Bank was aware of the her death and were taking all letters of administration death certificate and all other legal papers necessary after her death and like I said he was never offered the option to assume the mortgage in his name
What steps did you take after your mother-in-law's death to transfer the property deed to your husband's name?
They kept saying it was a tangle title
What steps did you take to resolve the "tangled title" issue?
They were working on that right now I'm just wondering what this attorney is doing as far as trying to basically drive my husband because I don't think anything is right with the sheriff sale because how do you get a judgment for the same amount in December of * and then we go to court June 6th * when the judicial judgment was ordered and the house was in the sheriff sale took place the same day
What steps have you taken to contest the judgment and the sheriff's sale?
Not contesting the judgment for the sheriff sale I'm contesting what this lawyer is trying to do as far as say that we owe him money sending me court orders and paperwork after what the judge said was to be paid was paid and it covered everything and all that he's asking for says is after the fact that the house being sold that's not my problem me paperwork court orders and requesting money for his legal obligations after the sale of the home and everything else that's not my issue that's the bank's issue and as far as he's saying interesting things all the interests on the home was it was included if I am to be aware all that is included in your monthly statement like a credit card bill and why do I owe him escrow fees and in his direct words the unused proceeds from the sale on the amount of *,* but they want to recover any excess proceeds available in distribution of their total debt of $*,* * including outstanding legal fees and cost and cured and direct the share to distribute the additional proceeds in the amount of $*,* for mortgage what are you talking about when I only owe *,* on the total mortgage that should have included escrow fees interest past due correct
Did you receive any official notice from the court or the bank about these additional fees and charges after the sale of the house?
Only person that has sent me any paperwork at all at any time has been Gregory I never got anything from the courts city of Philadelphia or citizens Bank regarding anything not even the sale of the home I didn't even get any paperwork from the sheriff's department
What steps have you taken to verify the authenticity of the documents sent by Gregory?
I called citizens Bank directly and they were unaware of anything they couldn't even pull up any files on the home mortgage
What steps have you taken to report this issue to the local authorities or the state bar association?
I don't know if I don't know what to say to this State bar association because I don't know what infarctions for this or illegal activities this lawyer has committed and I don't know what to say to the authorities because I don't know what's going on that's why I need a lawyer to tell me exactly what is going on so I know legally what I can do
What specific actions did attorney Gregory Javardian take that you believe may be illegal or unethical?
I believe he is sending me illegal court documents falsify documents and he's trying to commit fraud against me and steal money owed to us that is considered surplus funds
What specific documents did attorney Gregory Javardian send you that you believe are falsified or illegal?
Court orders and documentation of money is owed to citizens Bank without the bank's knowledge also how do you send me documents that are sent regular mail no return receipt no signature was required
What specific details in the court orders and documentation make you believe they are falsified or illegal?
I received one court order from him that just wrote out everything and there was no signature there was no date there was nothinglthen after I spoke to the bank I got the same order sent to me that now is signed and dated and there was no time stamp on the document after I spoke to citizens Bank about this issue though then I got the same order exact same order which now is dated timestamp and signs
What actions have you taken since receiving these potentially falsified documents?
I'm taking steps down I'm trying to figure out exactly what type of crime may have been committed and what my legal rights are after speaking to the bank who was totally oblivious to anything going on
What steps have you taken to verify the authenticity of the court order with the Philadelphia Court of Common Pleas Civil Division?

General Information:
- In Pennsylvania, it's illegal to falsify court documents. If proven, it can lead to serious penalties including fines and imprisonment.
Can you tell me how I can prove the validity of the court order I don't know what to do that's why I'm trying to ask a lawyer
You can contact the Philadelphia Court of Common Pleas Civil Division directly and provide them with the details of the court order to verify its authenticity.
Is there anywhere online I can check out the validity of the order in the city of Philadelphia
You can check the validity of the court order online by visiting the Philadelphia Courts' website and accessing their case search feature.
Okay thank you for that information can you tell me what exactly might be going on legally with this information I've given you so that I can be kind of knowledgeable about what I have to do
Based on the information provided, it seems there might be potential fraud or misconduct. Have you considered filing a complaint with the Pennsylvania State Bar against the attorney?
And what would I inform the Pennsylvania bar about what type of this kind of could he be doing
You could inform the Pennsylvania Bar about potential misconduct, including falsification of court documents and possible fraud. It's important to provide all relevant details and evidence.
Do you have any type of address or email for the Pennsylvania bar association that I might send them but I really would like some type of lawyer device prior to doing this because I would really rather for an attorney to assist me with this so that I make sure that everything is correct and nothing comes back on me
You can contact the Pennsylvania Bar Association at * South Street, Harrisburg, PA *, or via email at info@pabar.org. It's advisable to consult with a local attorney before proceeding.
Have there been any type of previous Court violations that have some type of relationship to what I'm going through as far as the documents and possible fraud and Philadelphia Pennsylvania after mortgage or closer sale and judicial judgments attempted by the attorneys representing mortgage holders or Banks so that I can kind of see if anything that's going on with me has happy previously with any other person or any other legal attorneys or firms
What is the name of the attorney you suspect of misconduct?
His name is Gregory javardian and his assistant is Mary f Kennedy I have their ID numbers Gregory javardian is number * and Mary f Kennedy her number is *
Have you reported this suspected misconduct to the Pennsylvania Disciplinary Board? They handle complaints against attorneys. Their contact is: Pennsylvania Judicial Center, * Commonwealth Ave, Suite *, Harrisburg, PA *.
I'm also interested in any other cases that may not include these attorneys that are has some comparison to my issue going on right now in Philadelphia Pennsylvania regarding lawyer in this kind of fraud involving mortgage foreclosure post sale or during sale I don't care I just want to know if that if anything like this is happening in Philadelphia at any time that compares somebody doesn't have to be the same attorney but I just want to know or even involving citizens Bank
Have you tried searching for similar cases in the Philadelphia County Court of Common Pleas Civil Case Search online? It might provide some insight into similar cases.
How could I do that and what information would I put in as far as case search what would be like a heading for me to write in as far as compatibility or what statement would I make Friday or what I don't know exactly how to word it so that I get the exact information so can you please give me that information so that I know what to look for
You can search by party name, case type (like 'foreclosure' or 'fraud'), or attorney name in the Philadelphia County Court of Common Pleas Civil Case Search online.
And how can I find out if citizens Bank has ever been involved in any of this type of activities
You can search for "Citizens Bank" in the party name field in the Philadelphia County Court of Common Pleas Civil Case Search online to see if they have been involved in similar cases.
Okay but do you think that I've been wrong in any type of way and can you find some kind of statues or whatever in Pennsylvania that prohibit this type of activity from attorneys or Bank or any consumer protection violations and federal violations also
What specific actions did the attorney or bank take that you believe may have violated consumer protection laws or regulations?

General Information:
- Pennsylvania's Unfair Trade Practices and Consumer Protection Law prohibits deceptive practices.
- Federal laws like the Fair Debt Collection Practices Act protect consumers from abusive debt collection practices.
Is near some type of false paperwork act or something like that also I just want to know what is your opinion on everything what would you do exactly
What specific documents or paperwork do you believe were falsified by the attorney or bank?
Do you think I've been wrong do you think any of my rights have been violated do you think something illegal is happening to me that's all I want to know
Based on your description, it seems there might be potential misconduct or fraud. However, it's crucial to consult with a local attorney for a thorough analysis.
Thank you so much for your assistance and time I appreciate it immensely
You're welcome! If you have any more questions or need further assistance, feel free to ask. Remember, consulting with a local attorney is crucial for your situation.