Legal Question in Real Estate Law in California
foreclosure and sale
I have been divorced ten years but there has been no division of property. My ex has lived in the house, payed the mortgage, gotten the tax benefits, and we have had joint custody of our four children. I just ran a credit report and discovered that the mortgage is in arrears six months, and I googled our address and found that it is listed as a foreclosure and sold a month ago for a low price! I am on title and have had no notice of any of this. I refused a few years ago to sign a quit claim at the advice of an attorney and just figured we could sell when kids were all out of house. There is a second and third on the home also. How can I find out who purchased the house, and is a foreclosure sale legal without my ex notifying me if I am on the deed?
1 Answer from Attorneys
Re: foreclosure and sale
If you were on title (a more accurate statement that "on the deed"), you should have been notified of the default and of the sale, but there are limits to the extent of the effort a foreclosure trustee or beneficiary must make to find missing co-owners. Nevertheless, we find in a lot of cases the trustee has not made a sufficient effort to notify all owners. Other problems with the sale might also be present, including forged deeds.
A major issue here would be whether the mortgage that was foreclosed is senior or junior to your interest in the property. If you were a party to the loan that was foreclosed, your rights are somewhat less than if the loan was taken out and recorded after your divorce.
Another question is exactly what your divorce decree says. I'm sure it makes provision for division of property, but it's usually up to the divorcing couple, not the judge or court, to put the provisions of the decree into effect.
My advice would be to see if an attorney in your area that practices family law would give you a free initial consultation on the foreclosure, the divorce decree, and your rights. I would do so without delay. Probably look for a lawyer other than those who have advised you in the past, so as to get an unbiased viewpoint.