Not paying mortgage, how do they remain in home?

How is it that there are homeowners that are not paying their mortgage because they are struggling and don't get evicted????? I know someone that hasn't paid ther mortgage in 6 months nor did they pay their end of the year taxes last year!!! How is this possible that they remain in their house?
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Each and every bank has their own foreclosure time frame. Because a person has not made a payment in 3-4 months some lenders especially those that are guaranteed by the government such as FHA and VA loans might take several months before they even start the foreclosure procedure.

It has been know that some lenders have started foreclosure procedures 6-8 months after the last monthly mortgage payment was made.

It has nothing to do with the current mortgage crisis, as most lenders hire a foreclosure service to do the foreclosures as the loans are in different states and each states laws vary concerning foreclosures, therefore the lender would hire a local foreclosure firm to do the foreclosure on their behalf.

Most individuals that are behind in their mortgage payment normally do not make the insurance or county tax payment. This is not a surprise.

A bankruptcy would also prevent a lender from foreclosing on a house.

I hope this has been of some use to you, good luck.

"FIGHT ON"
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BEST I CAN FIGURE OUT.....HOMEOWNERS MAKE PAYMENT ARRANGEMENTS AND THEN FALL FLAT ON THAT PROMISE, TRY TO SCRAMBLE AND RE FINANCE THEIR HOME.... THAT TAKES
TIME.........

BANKS ARE NOT SO QUICK TO GET THE PEOPLE EVICTED, THE MEDIA PICKS UP ON IT QUICKLY. THE BANKS BEST ANSWER TO THE MEDIA IS THAT WE GAVE THEM EVERY OPPORTUNITY TO WORK IT OUT....

FORECLOSURE ALSO TAKES TIME TO RESOLVE THE PAPERWORK....THEY HAVE TO LEGALLY SERVE NOTICES AND PUT A JUDGMENT THROUGH COURT.

DONT WORRY, EVERY DOG HAS ITS DAY !!!!
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I'm sure it's due to the many other foreclosures going on that has created a backlog. It will eventually catch up.
Why does this bother you? Do you feel cheated? They are the ones losing their house. That is the real pain.
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There are so many that it takes close to 2 years before the banks complete the foreclosure process.

Now, banks are encouraged to help people retain their home which will slow the already slow process considerably.
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Banks have so many foreclosures to deal with, many people are probably slipping through the cracks...for now. I have to believe that one day it's all going to catch up to those who don't play by the rules...
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The new bill doesnt allow eviction so easily. They will have to go through pretty extensive court proceedings to save the home but if they arent paying sooner or later the home will be taken from them.
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Because it takes time to foreclose, sell the house, and then go through the legal eviction process.
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The banks and counties are way backed up so it's taking longer to get people out .
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Luck and red tape.
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trust me there pain is worse then yours...