Home foreclosure and the law?

  • Thread starter Thread starter SMILEY ANNABETH
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SMILEY ANNABETH

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We filed for bankruptcy last year and let the house go with it. We had the 6 month period to reclaim it, yadda yadda... which ended Dec 4. We started moving out of the house in August and shortly after, I guess the bank sent someone out to determine that we weren't residing there, the bank had someone literally break the doors down and installed new locks so we can't get in. We still have stuff in the house that we'd like to get back and have never received any notification in writing that the bank had repossessed the property. We still haven't. We called the bank and someone was supposed to call us back about getting in there to get our stuff, but of course they haven't called back and probably won't. The city still holds us with legal ownership, we still get tax bills from the city in our name. My question is, could we get into any trouble, technically, if we broke into our own house to get our things?
but they didn't give us 6 months. they changed the locks before the 6 months. that's my question... and we weren't in foreclosure before the bankruptcy.
 
Well it depends, after the 6 months the house is no longer yours so they can go brake the windows, but on the other hand if the house is still under you ownership that's trespassing. I would go down to the bank and talk with them or go complain get yourself heard YOU HAVE NOTHING MORE TO LOOSE the least you can do is go and try to talk to them. Or go complain to the city. And yes, as long as the 6months have no passes you can break into your house because the house belongs to you.

GOOD luck getting your things back
 
yes you can be charged with breaking and entering and/or trespassing. it's not your house anymore, it's the bank's property and anything in it is the banks because you had 6 months to reclaim it or get all your belongings out. not much you can do. in fact, there probably is nothing you can do.
 
Yes, you could get charged. On the very first letter of foreclosure you got, it said the date you were to leave the house. If you left and left your belongings there at that time, then you abandoned them. The letter should also have said you could call the bank and ask for specifics. A more detailed timeline. If you didn't do that and the letter did state that then you don't have any recourse. Check the letter again. They're mainly form letters so I doubt if they left that important part out.
 
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