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by Danny Hammond of the 3/4 Court Press |
Everyone that calls me passed this part according to the rules given to them. Pay 3 month on time. Then the wickedness sets in. All sorts of "reasons" begin to be received by the Borrower regarding why their trial failed.
Most are absurd. Experences like telling the Borrower he did not pass the 3 months of payments, when he did.
Or the Borrower did not respond in the right amount of time.
Or the Borrower used the wrong means of notification to the (usually the Servicer), whatever that means at that moment. Or the Borrower used the wrong form, and the particularly nasty, your Servicer has changed and you must start over.
My client right now who we are about to file into state court, was told every one of these things above. She is stilled scared to death it is going to be a problem in the Lawsuit, or Petition as a lawsuit is called in Missouri. Read More
"I have complete faith in the continued absurdity of whatever's going on."
Lots of State Judges in lots of states mostly believe they are not bound by the Constitution. They think that is the end of the matter. However, if your state judge has ruled against you and Granted your home to the foreclosing party that could not pass the federal requirements of Standing Your judge has just violated you of your Constitutional Civil Rights. The rights given you in the 5th and 14th Amendments to the US Constitution. "Due Process" You can Challenge the Standing of the foreclosing party at ANY TIME.
After a miserable 10 years fighting ignorant judges, everything I write is based on your constitutional civil rights. That is the only law left for us. Stop believing that there is a magic statute. All of the old statutes are still very good. But, a question continually goes through my mind. The laws are fine. The laws are good. They have not been changed.
But you tell me. "Is a law a law, If it is not enforced?"
That is the problem that none of us expected to be "THE PROBLEM", but it is.
Would you like a free review of your loan and foreclosure documents?
These words below do not come from current events. They aren't the only quotes from this famous writer. They all have something to do with my thinking, as I have tried to do the right thing for all Borrowers who were cheated from obtaining the American Dream. “Everything we hear is an opinion, not a fact. Everything we see is a perspective, not the truth.” “Waste no more time arguing about what a good man should be. Be one.” “Understand at last that you have something in you more powerful and divine than what causes the bodily passions, and pulls you like a mere puppet. What thoughts now occupy my mind? Is it not fear, suspicion, desire, or something like that?” "The art of living is more like wrestling than dancing, because an artful life requires being prepared to meet and withstand sudden and unexpected attacks.” “You shouldn’t give circumstances the power to rouse anger, for they don’t care at all.” Anger is not thought. Anger is anti-thought. Marcus Aurelius Antoninus was Roman emperor from 161 to 180 AD and a Stoic philosopher. He was the last of the rulers known, non-contemporaneously, as the Five Good Emperors and the last emperor of the Pax Romana, an age of relative peace, calmness and stability for the Roman Empire lasting from 27 BC to 180 AD |
The below table represents our current knowledge of which states use mortgages (judicial) or deeds of trust (non-judicial) or both. The table also includes estimated foreclosure timelines for each state. Please check with your local county government to verify this information.
Compare all state foreclosure timelines on this simple one-page chart and click on any state name to read about detailed foreclosure procedures for that state.
State Judicial Non-Judicial Comment Process Period** Publish Sale** Redemption Period** Sale/NTS
Alabama • • Judicial rarely 49-74 21 365 Trustee
Alaska • • Judicial rarely 105 65 365* Trustee
Arizona • • Judicial rarely 90+ 41 30-180* Trustee
Arkansas • • Both 70 30 365* Trustee
California • • Judicial rarely 117 21 365* Trustee
Colorado • • Judicial rarely 145 60 None Trustee
Connecticut • Judicial only 62 NA Court Decides Court
Delaware • Judicial only 170-210 60-90 None Sheriff
Florida • Judicial only 135 NA None Court
Georgia • • Judicial rarely 37 32 None Trustee
Hawaii • • Both 220 60 None Trustee
Idaho • • Trustee Sale 150 45 365 Trustee
Illinois • Judicial only 300 NA 90 Court
Indiana • Judicial only 261 120 None Sheriff
Iowa • • Trustee Sale Voluntary 160 30 20 Sheriff
Kansas • Judicial only 130 21 365 Sheriff
Kentucky • Judicial only 147 NA 365 Court
Louisiana • Judicial only 180 NA None Sheriff
Maine • Judicial only 240 30 90 Court
Maryland • Judicial only 46 30 Court Decides Court
Massachusetts • Judicial only 75 41 None Court
Michigan • Non-Judicial only 60 30 30-365 Sheriff
Minnesota • • Non-Judicial mostly 90-100 7 180 Sheriff
Mississippi • • Non-Judicial mostly 90 30 None Trustee
Missouri • • Non-Judicial mostly 60 10 365 Trustee
Montana • • Trustee Sale mostly 150 50 None Trustee
Nebraska • Judicial only 142 NA None Sheriff
Nevada • • Trustee Sale mostly 116 80 None Trustee
New Hampshire • Non-Judicial only 59 24 None Trustee
New Jersey • Judicial only 270 NA 10 Sheriff
New Mexico • Judicial only 180 NA 30-270 Court
New York • Judicial only 445 NA None Court
North Carolina • • Non-Judicial mostly 110 25 None Sheriff
North Dakota • Judicial only 150 NA 180-365 Sheriff
Ohio • Judicial only 217 NA None Sheriff
Oklahoma • • Judicial mostly 186 NA None Sheriff
Oregon • • Trustee Sale mostly 150 30 180 Trustee
Pennsylvania • Judicial only 270 NA None Sheriff
Rhode Island • • Non-judicial mostly 62 21 None Trustee
South Carolina • Judicial only 150 NA None Court
South Dakota • • Judicial mostly 150 23 30-365 Sheriff
Tennessee • Non-judicial only 40-45 20-25 730 Trustee
Texas • • Non-Judicial mostly 27 NA None Trustee
Utah • Non-Judicial Only 142 NA Court Decides Trustee
Vermont • Judicial only 95 NA 180-365 Court
Virginia • • Trustee Sale mostly 45 14-28 None Trustee
Washington • • Trustee Sale mostly 135 90 None Trustee
Washington D.C. • Trustee Sale only 47 18 None Trustee
West Virginia • Trustee Sale only 60-90 30-60 None Trustee
Wisconsin • • Judicial mostly 290 NA 365 Sheriff
Wyoming • • Non-judicial mostly 60 25 90-365 Sheriff
* Judicial Foreclosures Only
** In days+