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Foreclosure Fees?
Foreclosure was started on my Ohio house December 14, 2007. I was able to pay all of the back payments plus late fees on January 2, 2008. So, the home was rescued from foreclosure. But now, here is a list of new fees the lender sent me stating that I owe. Does this make sense to you? Any way to verify them?
140.00 process server fee
287.50 partial foreclosure attorney fees
15.00 property inspection fee
391.00 title search fee
17.00 skip trace fee
290.00 court filing fee
575.00 initial foreclosure attorney fee to open the case.
Greatly appreciate your help!
I’m not asking if I owe them, I know I do, I’m asking if they are legit and if the costs sound correct to you.
And yes, I know had I kept my payment current it wouldn’t have happened. My wife gave birth to our second child that was ill and almost bankrupt us in medical bills so telling me to stay current or this wouldn’t have happened isn’t helping me answer this question.
This is pretty much a final bill for the legal action they started against you. Looking at it, did they actually send a process server to your door and hand you papers? Then the $140 is legit.
$15 inspection fee, legit.
Title search, well, that’s negotiable, they did that themselves, to see if you have any liens against it to find out if they were in first place or not if they foreclosed. (Probably in your loan contract though that you’re liable for it.)
$17 skip trace? Doesn’t make sense, you never went anywhere, so you’re not a skip to trace.
$290 court filing fee, sounds about right, if they actually filed a foreclosure action against you in superior court.
The two legal fees aren’t out of line as far as amount, but you would have to read your mortgage to see if you’re liable for those or not. (I’m betting you are, it’s in all that fine print about them foreclosing.)
Bottom line, if you had kept your payments current, they wouldn’t have incurred these costs, and it’s probably in your contract you’re on the hook for them, so you’re going to have to pay up. Sorry, I know you were hoping for better news.
Read your loan docs, and if you can’t find it, have an attorney look it over to make sure you’re liable before you pay the bill.
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