Foreclosure questions in California
The loan is with a private party, and they have filed a foreclosure. They claim that it is 60 days overdue, but they sent no notices that payments had not been received, and even sent back the money order for the latest payment along with the foreclosure paperwork. They have also included in the foreclosure amount the insurance for the property as a lump sum, while it has always been paid monthly as part along with the mortgage payment.
First, is there any requirement to make notice of missed payments before beginning foreclosure? If not, is there any way to dispute the missed payments? I should have money order receipts for those months, although I never called in to verify that they had been cashed.
Finally, can they just include the insurance as part of what must be paid to take it out of foreclosure?
Any advice is appreciated. This kind of came out of nowhere, and I'm trying to start by at least getting an idea if everything that has been done so far was correct. After that, I'm hoping to get an idea of what I can do, if anything, to dispute this.
If I really need to talk to a lawyer, and I won't be surprised if I do, any advice as what to look for or what kind of costs are likely would be helpful as well.
