"I'm in foreclosure, and I've tried everything I could to get in contact with
people at Countrywide so that I could get things straightened out before
it got to this point. Anyhow, I just went to the court house and found out
that even though Countrywide is my lender, Citibank is listed as the bank
I have to pay off. I didn't know anything about citibank until today.....how
can they foreclose on my home if Countrywide is my lender???"
One reason I wanted to respond was that I see signs in your post that I
have seen before from people who faced foreclosure. More specifically
there is a tendency to look for loopholes separate from the primary issue
in hopes of some sort of a clerical error miracle that changes everything.
Possible but not probable.
For example when I posted 3 months ago that EMC was out of business
for all practical purposes I witnessed one poor lost soul who frantically
and with futility searched for some magic loophole that would let her off the
hook on her EMC serviced loan. When she discovered there was no "get
out of jail free card" attached to the EMC (A servicer rather than a lender
btw) demise, she was quick to chastise me for leading her astray. The
point is that both mortgage lenders as well as servicers have those basic
escape routes for the borrower well covered. That's Mortgage 101.
Focus on the issue at hand.
Both Moose and William A. Roper both gave you sound advice.. It's layman
advice that I really hate to give because you most likely wouldn't be here if
you could afford an attorney. But you need a competent attorney if you have elected to fight at this very late stage rather than give up Justme.
(I hate to say that just as much as Moose and WAR hate to say it.)
WAR also made the same point I was about to make and it too is a long shot
but not like the ultra long shot of looking for a snafu in the fine print that gets
you off the hook.
If for example you have the good fortune of living in Illinois you are in much
better shape.. No need to tell you why at this point unless that is the case.
Is your foreclosed home in Illinois? If not what state are you in?
With compassion and understanding,Ed Cage, Plano TX / firstname.lastname@example.org / 972-596-4363
(BTW Countrywide is also on life support as far as the mortgage business
goes, but again I emphasize that will not help you one bit.)