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Never so happy to see a NOD in my life...

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    Never so happy to see a NOD in my life...

    Hello all...............just wanted to post this as I've been wondering for the past several months just WHEN this official NOD shows up and what the heck it looks like. Once I'd thought we'd gotten it as we received cert mail and such, but nope...today the REAL one(s) came, and just like previous posters have mentioned, ya can't miss them. Quite clear, actually, and thank goodness..the last part of this sad saga is on its way to closure. Even when our bk discharged, though relieved, we couldn't quite "celebrate" as we still had the house hanging over our heads, even tho we've physically moved on. But financially, we're still paying all but the mortgage--HOA, pg&e, sewer, insurance, water...checking the mail daily...I will be so happy to have this a done deal, no more duplicate bills..and on that date I will truly and completely celebrate. p.s. I am always trying to find a smile in everything--and in this whole "on the steps of the courthouse" part of the trustee sale, I can't help but picture the Brady Bunch movie where the Brady's almost lose their house....I know we ain't no sitcom, but that scene gives me a chuckle about all this, when my insides may be crying a bit. Good luck to you all in the same brady boat................

    #2
    How long did it take Martha? I don't know what area of the country you are in, I'm in MO and was up to date on payments as of date of filing late Oct. I'd love to know when things are going to start happening.

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      #3
      HI Woah....We are in CA. The first mortgage payment we missed was May 2008. We filed bk on the last day of June of 2008, so there was some delay there because of that. We didn't hear much other than some regular statements, and then the relief of stay (for stay?) that they filed in the interim. We had received what we thought seemed pretty official a couple of months ago (the certified mailing I referred to earlier) but....a couple of weeks ago we did receive a letter from the mortgage co saying they'd referred it to an attorney to begin the foreclosure process, and today, I happened to do a search on our county recorder's site and found my dh's name, and also on another site listing foreclosures in our area--yikes, news travels fast, then lo and behold, my dh stopped by our old house to check the mail today and the official NOD was there, dated December 18, 2008...so I guess that's 8 months total, right???...hope that helps

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