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Due to the lack of of "lien" the lender was then considered an "unsecured" creditor....... BUT they also had a secured lien against the land.......
SOOOOOO........... the Trustee gave them 1/2 of the proceeds of the sale.... (a lot more than the secured lien on the land).......
Instead of the mortgage company taking the land back to resell, they "bundled" with the Trustee and put the house/land together to make more money...... I was denied the "right" to buy back the land and the home separately..... They forced it to a package deal at auction....
Besides that the Trustee sold things at the auction that was not in the Court Order Petition stating what he was allowed to sell...... things that did not belong to me. The Trustee specified house and land in the petition to the Court - nothing else..... and that is what the Judge approved - house/land only....
Minny
"It's amazing the paths that our feet sometimes follow in life".
My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.
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