I need a little advise.
I havent paid on my house in over 2 years. I recived a NOD from countrywide (now bofa) in august of '08. I tried to do a short sale for a year and eventually gave up after they charged off the heloc in the middle of negotiations. So now the heloc is trying to collect but absolutely nothing is happening on the 1st. I get no calls regarding the 1st, only the heloc. When I check my credit report it states "foreclosure proceedings started" for the 1st but yet when I search recontrust's website I find no longer find any listing for the house. No additional NOD's have been sent out. The notice of default countrywide sent back in '08 long since expired.
Now they are charging hefty interest on the late heloc so I am looking to settle on it somehow. However I am concerned what is going on with the 1st. Why is taking so long to foreclose?. Could it be bofa is missing documentation to foreclose? I still see the full balance for the 1st on my bofa account.
This house was my primary residence for over 2 years. I moved out shortly after I got the notice of default. If I had known I could have been living there rent free for over 2 years, I could have saved enough to pay off the damn heloc.
Any ideas on what attorney fee's would be to look into something like this?