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Can I be foreclosed without going through courts?

1 Answers. Asked on Dec 31st, 2016 on Debtor and Creditor - Tennessee
More details to this question:
I had 2 loans to purchase my home in 2005. As a single mother, i was shocked to get a house. But God has been good to me. Anyway, i paid for the 10 years to a second loan and stopped. But today i got a notice of forclosure for 35,000 but I have been paying the main mortgage. Im current with that loan, i just thought my other loan was finished. I was paying even through bankruptcy. I paid 19,500 through bankruptcy and 16500 through my own payments before bankruptcy. Can they sale my house even though im good on my big loan? Can they do it without filing anything through the courts? I mean this isn't even on my credit. This is the strangest thing.
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Answered on Jan 01st, 2017 at 5:25 AM

Obviously, the second mortgage company does not agree that you are "good"  on the mortgage. Contact the mortgage company and talk with it  to find out where your differences are. 


If you would like to contact me personally by either phone or email, you may do so as follows: Patrick Johnson, Johnson, Scruggs & Barfield, 95 White Bridge Road, S. 508, Nashville, Tennessee, 37205, email:; Cell: 615-646-9417; Office: 615-352-8326

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Debtor and Creditor
Just because you owe money to another person, a bank, credit card company, landlord or another party doesn't mean you've signed away your legal rights. Federal and state debtor-creditor laws explain both the legal rights and obligations of debtors (people who owe money) and creditors (those who are owed money). If you're being hounded by collection agencies and debt collectors, talk to a debtor and creditor attorney who can help you enforce your legal rights while also working to explore debt relief options. Your lawyer can discuss the pros and cons of debt settlement, garnishment, personal bankruptcy and other possible solutions.
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