Real property law; foreclosure; foreclosure. Sometimes a foreclosure is simply unavoidable, if a loan modification, a short sale or deed in lieu are not available to you. New York is a judicial foreclosure state. This means that the lender who holds your mortgage must file a lawsuit against you in court to enforce its lien against your home if you fail to make payments on the loan.

Foreclosures in New Jersey are judicial, which means the foreclosing party must sue the borrower in court to foreclose. What Type of Preforeclosure Notice You’ll Get. Before starting the foreclosure, the foreclosing party must send you (the borrower) a notice of intention to foreclose that provides at least 30 days to cure the default.

Ohio passed legislation yesterday that seeks to prevent zombie homes, or vacant or abandoned residential property, by enacting a fast-track process for mortgage foreclosures. being proactive in the.

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The town will open a request for proposals to find someone to conduct the study. Hempstead has 547 zombie houses – vacant properties in foreclosure — and more than 1,500 houses in foreclosure, Gillen.

One in every five homes in foreclosure is a ‘zombie’ – meaning that it is vacant even though the bank has yet to officially take title to the property – according to recent data from RealtyTrac. In many cases, the homeowner who vacated the house isn’t even aware that he or she still owns it.

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Zombie foreclosure refers to the situation caused when a homeowner vacates a property before ownership of the house is transferred.

Many advocates caution that RealtyTrac data underestimates the number of zombie foreclosures, which are hard to count. Nearly a decade after the subprime crisis, many neighborhoods are still.

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