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When did my time start ticking? Is it July 3, 2012 Cerificate of Title or October 6, 2010 final judgement mortgage foreclosure? I never received any paperwork. I was not the primary on the loan and the person who was the primary wasn't speaking to me. I need this informtion so I can move on and purchase a home of my own. The following informtion is from the court docs. I have removed all names and other information. Thanks in advance for your help.
FYI: I was in ST Lucie County Florida which was one of the hardest hit areas in Florida.
Docket Information |
07/03/2012 : CERTIFICATE OF DISBURSEMENTS |
07/03/2012 : CERTIFICATE OF TITLEO/R 3408 PG 197) |
06/13/2012 : FORECLOSURE SALE SHEET |
06/13/2012 : CERTIFICATE OF SALE |
06/08/2012 : NTC OF FILING PROOF OF PUB |
05/31/2012 : UNDELIVERED NTC FROM POST OFFC |
05/23/2012 : UNDELIVERED NTC FROM POST OFFC |
04/25/2012 : DISPOSED AFTER PREV CLOSED |
04/25/2012 : ORDER RESCHEDULING SALE:RESET 6/13/12 |
11/23/2011 : NOTICEF FILING W/O ATTACHED DOCUMENTS |
09/15/2011 : MOTION TO REOPEN CASE |
09/14/2011 : MOTION RESHEDULE SALE |
04/18/2011 : UNDELIVERED NTC FROM POST OFFC |
04/15/2011 : UNDELIVERED NTC FROM POST OFFC |
04/06/2011 : ORDER SUBSTITUTING ATTORNEY |
04/06/2011 : STIPULATIONTIP FOR SUB OF COUNSEL |
01/12/2011 : MISCELLANEOUSALE NOT HELD DUE TO NO PROOF OF PUBLICATION |
01/05/2011 : MOTION TO REOPEN CASE |
01/04/2011 : MOTION TO CANCEL SALE |
01/04/2011 : NOTICEF CHANGE OF COUNSEL |
10/06/2010 : CLERK'S NOTES:COURT CLERK NOTES |
10/06/2010 : FINAL DISPOSITION FORM |
10/06/2010 : FINAL JDGMNT MORTG FORECLOSUREO/R 3238 PG 52) / DISP AMT:223015.80 |
10/06/2010 : DISPOSED BY JUDGE |
09/13/2010 : NTC OF TELEPHONIC HEARING |
09/13/2010 : NTC OF FILING PROOF OF PUB |
09/01/2010 : NTC OF FILING ORIG DOCUMENTSRIGINAL NOTE ORIGINAL MORTGAGE |
07/27/2010 : MTN FOR CLERK DEFAULT/DEFAULT: |
07/26/2010 : NON MILITARY AFFIDAVIT: |
07/26/2010 : MOTION FOR SUMMARY JUDGMENT:AND TAXATION OF ATTNY FEES AND COSTS EXH A- AFF IN SUPP OF MTN EXH B- AFF OF COSTS EXH C- AFF OF PLTFS COUNSEL AS TO ATTNY FEES AND COSTS EXH D- AFF OF PLTFS ATTNY TIME |
07/26/2010 : NTC OF DROPPING PARTY DEFT(S):JOHN DOE |
03/30/2010 : VERIFICATION OF FAX:REC'D FAX FROM SHERRI & WILL PUBLISH ON 4 / 12 4 / 19 |
03/25/2010 : NTC ACTION COPY TO PAPERUBLISH DATES 4/ 12 4 / 19 |
03/23/2010 : AFFIDAVIT OF |
03/01/2010 : SUMMONS RETURNED |
02/11/2010 : AFFDVT DILIGENT SEARCH |
01/14/2010 : FORECLOSURE FORM A |
01/12/2010 : SUMMONS ISSUED: |
01/11/2010 : SUMMONS FEE $100.00 |
01/08/2010 : CIVIL COVER SHEET |
01/08/2010 : VALUE FORECLOSURE CLAIM FORM |
01/08/2010 : NTC OF LIS PENDENSO/R 3165 PG 1738) (O/R 3165 PG 1738) (O/R 3165 PG 1738)   |
01/08/2010 : COMLAINT MF > 50,000 < 250,000 |
01/08/2010 : MOTION:MOTION AND ORDER TO APPOINT PROCESS SERVER |
Hi, and welcome to MyFico Community Forums!
Although this message is in the wrong forum, I wish you much success on your journey. Hopefully the folks in the Mortgage Forum can give you the advice you need.
Best of luck!
Specifically in your case, it seems as though the Foreclosure was granted on 10/6/2010
Your time starts with the Certificate of Title transferring to the f/c bank which in your case was the July 2012 date. 3 yrs for FHA and more for conventional.
Private lenders, if you can find them, don't have any such restrictions.