One strategy that borrowers can do to delay or stop foreclosure is to go to court and ask the lender to "Produce the note" or "Show the note"
The borrower needs to request the lender to "produce the note" in order to have the lending institution prove that they own the debt. There have been cases of homeowners getting foreclosed on by 2 different mortgage companies--each thinking that they have the first lien on the property.
This isn't a way to stay in your house for free, but can work as a bargaining chip to negotiate a workable payment plan with the mortgage company and stop your foreclosure.
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