Do I Send a DV Letter to the Attorney for Foreclosure??!!

[robocredit1]

So, after now being 360 late on my 1st, (yes, I said "360"!), I finally got for the actual notice to accelerate the mortgage from the attorney retained to handle the foreclosure sale (sched for Nov. 4- abt 40 days, BTW).

 

My question is, since it looks like any other CA letter (ie, "30 days to respond or we deem it valid" etc.), should I send a DV letter just like I would for a credit card/loan default?

 

Does it save any time or delay anything?

 

 

I'm ust trying to hold off the wolves for as long as possible as I START the loan mod process. B of A said they would put any foreclosure procees on hold until they can review the loan mod request (45-60 days).

 

Funny how they're FAR more receptive than a year ago when I sent them a letter saying I wouldn't be able to remain current for much longer and they responded w/ a letter basically saying, "If you're not behind, we don't want to talk to you!"

 

See, last Oct. 30, after never being late on anything -EVER-, and a 720 score, I went 30 days late on EVERYTHING for the 1st time in my life -all at once- and havn't paid a dime to any of them since- this includes the 1st, 2nd, and all CC's.

 

I will file BK if needed, to stall foreclosure some more, since my attorney is confident he can purge all credit cards, AND the 2nd mortgage (since the house is $120K+ upside down, the 2nd could be considered "unsecured"), and reaffirm the 1st only in BK.

 

Any tips? Thanks!

 

- D

[acesfull]

Hi D

 

May I ask, what state are you in?

Good luck.

 

acesfull