My question involves bankruptcy in the state of: Florida
Desperately need advice before my mother ends up homeless.
In short, she was awarded home in Florida with all debts on it to be paid off (balance of mortgage & back HOA dues) by ex-husband, so she had a home to live in free & clear as she is 60 years old and suffering from ovarian cancer. He of course hasn't paid a dime which led to her attempting to rent and/or sell the home which HOA naturally refused applications because of back balance. One thing to note is that she offered to pay them in FULL, despite it being ex's Court ordered responsibility, and they still refused.
She has NOW just gotten notification that the home had in fact been foreclosed on & sold to the HOA back in January (with no notice to her) for 1/3 of the amount they claimed they were owed, and they have remarked that she continues to reside in the residence without their consent. She is now sick & worried to death of being evicted but has had several people suggest bankruptcy to stop things from going any further, but will that do anything with the "sale" having already transpired? I have looked up the record and the deed is in fact now in the HOA name. Is there anything that can be done to reverse this? Are there any grounds based on the fact that they prevented both numerous rentals as well as a sale which would have paid them off entirely & brought the home current? Please, I am so sick over this and would appreciate anyone's advice... Thank you in advance for considering my post.