Can anyone tell me who i would get the information about a defective foreclosure sale to, to cause it to be stopped ?
You seem NOT to understand. The Lender has already accelerated your loan balance. And they have at least announced the private sale of the subject property.
The Lenders usually have very little interest in reinstating the loan UNLESS it is in their financial interest to do so.
When there is existing equity in your property, they WANT TO PROCEED TO FORECLOSURE so that they can STEAL YOUR EQUITY.
When there is serious net negative equity and they cannot possibly recover the full loan amount, then they might be interested in a modification that keeps you PAYING on a loan amount that could never be realized through foreclosure. They will let you keep paying in that instance for a while until you finally come to your senses and realize that you are buying a $100,000 house for $200,000 PLUS interest, etc.
In such an instance the Lender will probably do an in house modification soaking you with additional fees and legal charges if you are stupid enough to sign up for it. You will also have to sign a modification agreement that will waive all of the fraud as well as any possible defenses. This will make the next foreclosure even speedier. Modifications are NOT intended to rescue the situation or keep the borrower in the property. Rather, these are intended as a tactical maneuver to obtain waivers and confessions from the borrower, obtain new financial information, and to ease foreclosure in a future action.
The first thing you need to do is ascertain what the property is worth, compare this with the loan amount, and see whether you have any real equity to salvage. If you DO have equity, then you need to take steps to protect it.
Usually the most assured way to protect real equity in a non-judicial state is to find a really capable consumer debt/bankruptcy attorney and file a Chapter 13 bankruptcy. This is NOT for everyone, but can help to reorganize your debts and GET YOU ON A PAYMENT PLAN to keep your loan payments current if your circumstances make you a good candidate for bankruptcy.
If you WAIT TO DO THIS until AFTER they conduct a successful sale, IT WILL BE TOO LATE. IF YOU TEACH THE LENDER OR FORECLOSURE MILL ABOUT ALL OF THE DEFECTS IN THE SALE, THEY WILL JUST CORRECT AND DO A NEW SALE.
If you think that you are dealing with some group of compassionate people who care about you, you are out of your mind!
The servicer's personnel will TALK TO YOU right through your ejectment if you are foolish enough to fall for this.
YOU NEED TO GO AND FIND A REALLY CAPABLE ATTORNEY EXPERIENCED IN CONSUMER DEBT/BANKRUPTCY MATTERS RIGHT AWAY. YOU ARE ALREADY IN WAY OVER YOUR HEAD!