Please help....I'm flipping out again about the impending foreclosure.

[tobee43]

I'm almost scared to actually try to function as an adult again! With rent, payments, etc....I did it for over 20 years pretty well, but these last few had me crying like a little girl!!!!!!

ahhhhhhhh panacea.....i know it seems like it will never end...but i promise you it will....

and you never know...we left our home after being in it for over 33 years...and it ended up being the BEST decision we ever made...you'll be fine.

and you will have some time to get yourself together....i don't know about maryland but in nj it was a 90 day to vacate notice ....once the foreclosure process was completed and that takes time...really...i knew someone that stayed in their home over 2 years!!! i'm certain you'll have at least a few months to get it together and YOU WILL!!!!

just hold on a bit longer it will soon be over and a start to a better life.. i do understand and know exactly how you feel, and i do know the tears and fears...but i promise you they will pass...and the sun really will shine again!!

chin up!

[Panacea]

I'm almost scared to actually try to function as an adult again! With rent, payments, etc....I did it for over 20 years pretty well, but these last few had me crying like a little girl!!!!!!

[Panacea]

I tried our local sheriff's website and county website and can't seem to find ANYTHING on foreclosures. I'm scared, I want this over, but want more money saved for the rental deposit and emergencies in the future. I don't know if I can handle this stress of waiting it out.

I don't know why they would bother with a motion to lift the stay and a hearing on Feb 4th, when I should be discharged Feb 6th, if all goes well.

btw - thanks for the reply

[tobee43]

well, i know we got one of those from chase.....

and it's 2.9 years later and they still have NOT completed the foreclosure....however, we vacated the premises. also, i would check your local sheriff's website to see how fast they are moving...it that's the process you your state...which i believe Maryland is a "Judicial" state....which means you can drag it for some type via the court system if need be.

i know this is scary....and you see these important looking papers...but it takes them time. check the site...see what the time periods or the movements have been in your area...they are in no hurry anymore to get you out that fast and you can also bide some time.

[Panacea]

Timeline for me....(surrending my home)

Oct 27th - Filed BK
Oct 31st - Wells Fargo sent Notice of Intent to foreclose.
Dec 6th - 341 - advised surrending home
Jan 3rd - Wells Fargo request Motion for relief of stay, with hearing date scheduled Feb 4th

I'm sure the lift will be granted, I hopefully will be discharged on Feb 6th anyway.

Anyway, the Notice of Intent said I had 45 days to pay up basically.
1. Does the 45 days now start on the 4th of Feb? I would think the filing of bankruptcy stopped the days until they get the motion granted, correct?

I guess somewhere along the way I had this little dream that they'd forget about me and this whole foreclosure!