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  1. Let your attorney do their thing. They have a duty to act in your best interest. If the house hasn't been foreclosed yet and you win your lawsuit against the developer, it's possible you'll be able to work out a settlement or other loss mitigation (short sale, deed in lieu, etc). That will prevent a foreclosure from showing up on your credit report, though the bankruptcy and late/missed payments will still tank your score. Right now, I would just sit tight.. There's not much you can do at this stage.
  2. Okay, take a deep breath. Breathe In............. Breathe Out! What state are you in? This answer is going to be highly dependant on that. Now, to address your questions: Okay. There may not be restrictions but that doesn't necessarily mean anything. What did you do in that three-month span? Did you try to approach their attorneys' with some sort of settlement? Did you apply for any loan mods? As to the service of process issue, an answer can't be given as you have not said which state you're in. Here in FL, your husband being served on your behalf would be fine. It's quite likely the people you talked to didn't know any better and were trying to calm the situation. It's highly unlikely they spent ALL MORNING discussing your case. What's more likely is they had a meeting to discuss how hundreds of files (yours included) are progressing. In other words, they were probably doing a file review. It's good that you retained counsel, let them do their jobs. I know it's not easy to let go, but trust your attorneys. Trust me when I say that they know a lot more than you.... And for good reason. That's definitely unprofessional of him to do. Your remedy would be to file a bar complaint, though I don't recommend it. Honestly, and please don't take this the wrong way, but it does seem like you were in contact with them rather frequently.... And possibly did overreact. As to your attorney, I get the feeling he was just trying to be nice. It's very probable that attorney was sincere in wanting to settle and help you move on in your life by offering $5,000. It's a 'nuisance value' settlement offer as you probably don't have as good of a case as you think. Somewhere around there is what it's going to cost them to retain 'escalation' counsel if need be.. Can you please cite the specific laws? Remember, all of this is going to come down to those laws and if you can't articulate them now, you probably won't be able to when it's too late and you're before the Court. Seriously: If you want our advice (or the advice of your attorney for that matter), please provide the documents (redact them if need be) and laws that they 'broke'. I will say that the mere fact that they stopped responding to you means nothing. I'm sorry for what you've had to go through. It sucks to loose your home. My family has been there. Many others on this site have been there. If you've already moved out, maybe you should consider moving on. Let your attorney do all that he can to help you while you focus on other things.

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