Legal Question in Real Estate Law in Virginia

I purchase a home in 2005, but due to unemployment I fell behind the mortgage payments on March 2008, the bank WAMU treated with foreclosure and send a inspector r to my house every week, we try to do a loan modification but the bank did not even wanted to deal with us, my husband filled bankruptcy as a last resort to keep the home but the trustee remove the stay and my husband signed over the home to the Bank, we move out on August 2008. On January 5 I received a letter from the county stating that I have not kept my property and I need to fix some code violations. I research the title and indeed my name is still in the home title. The original mortgage company has disappeared and Chase bank has taken over. I have talked to Chase and they said that it was my responsibility and that I have to either have a short sale or re take possession of the property, which has been vacant for almost two years, and the basement has some water pump damage that has caused black mold to grow, I had a mold/water damage inspector come and he estimated a cost of $15,000 to clear up the mold and do treatment. Why has the bank failed to follow through with the foreclosure?? Who is responsible for the damage??


Asked on 1/26/10, 8:32 pm

1 Answer from Attorneys
Michael Hendrickson Law Office Michael E. Hendrickson

Probably, not you under the circumstances described, but you would be wise

(in my opinion) to arrange for a consultation with an attorney who is knowledgeable in real estate and foreclosure matters and who should be able to give you more definitive answers after reviewing the pertinent documents and facts associated with this particular matter.

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Answered on 2/02/10, 1:31 pm


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