My question involves a foreclosure in the State of: Idaho
I'm just starting the process to see if I can hold onto my house after my bankruptcy. I've submitted all the requested documentation to a HUD-approved counseling service (all 120 pages of it, so far) and have a meeting set up with them next Wednesday. They requested that I bring to the meeting my original loan closing documents.
I have heard that some people have had success at least stalling foreclosure by asking to see the bank's original deed or whatever, proving their right to the property. Many banks can't produce this since the mortgages have changed hands so many times. (And indeed, Sun Trust is not my original mortgage company.)
My question is--1) why do they need these docs from me since the mortgage company (Sun Trust) should already have them, and 2) is giving them copies of these documents just making it easier for them to foreclose because then they don't have to show they have the deed themselves?
Can I offer to let them review the docs in my presence but not photocopy them?
If there's a danger of them using these docs against me to kick me out faster, I'd just as soon refuse to meet with them and let them foreclose in their own good time.
Thanks for any insights into this.