Kukonda kufuta mbongo ya nzo, nsangu ya kukanga bima, mpi kufyotuna kuvidisa¶

Kubwa na nima na mbongo ya nzo na nge to kubaka Nsangu ya Kukonda Kufuta (NOD), Mukanda ya Kufwa Nsiku, to Nsangu ya Kubinga Kukanga Nzo ya leta kele mosi na kati ya bampasi ya mbongo ya kuluta mpasi yina dibuta lenda kutana ti yo. Bamfumu mingi ya banzo kekangamaka na boma mpi keyambulaka kukangula mikanda ya kekatukaka na muntu yina ketalaka mambu ya banzo sambu bo kekwikilaka nde kana banki metubila ngogo “kukanga nzo,” kuvidisa nzo kele dyambu mosi ya lenda salama ve katula kaka kana bo lenda tinda mbala mosi mafunda kumi ya badolare yina bo mefuta ve.

Na kutuba ya mbote, bantu yina ke defisaka mbongo ya nzo mpi bantu yina ke pesaka bisalu ke twadisamaka na bansiku ya ngolo ya leta mpi ya insi yina ke tadilaka mambu ya kukanga bima ya muntu (bonso Nsiku X ya RESPA, 12 CFR 1024.41 na États-Unis, Protocole de pré-action pour les demandes de possession basée sur les arrears de l’impôt na Royaume-Unide na Canada). Na nsi ya nsiku ya leta, muntu yina ke pesaka mbongo ya kusumba nzo lenda pesa ve ata mukanda ya ntete ya kukanga mbongo tii kuna mbongo yina nge defaka ta luta bilumbu 120 ya manaka, mpi kana nge pesa Demande de mitigation de la perte ya mvimba kuluta bilumbu 37 ya manaka na ntwala nde bo futa mbongo yina bo me yidika sambu na kuteka mbongo, muntu yina ke salaka kisalu ya kukanga mbongo ta luta bilumbu 120 ya manaka. lusambisu to kusala enchère ("dual tracking") tii kuna yau ta tadila demande na nge mpi ta manisa banswa na nge ya kulomba appel. Mukanda yayi ke pesa nzila ya bitambi na bitambi samu na kutelemisa mambu ya kukanga bima, kupesa Paquet ya Mitigation ya Kuvidisa yina kele na masasi ve na nsiku, kupusa na ngolo na kukanga ntima na mbongo ya nzo to kusoba mfuka, kunwanina mambu ya kukanga bima na nzila ya lusambisu mpe yina kele ve na nzila ya lusambisu, mpe kubuya "kubotula bima ya muntu na nzila ya mambu ya yimbi".

Sala yo sesepi¶

1. Kangula konso amvelope ya me katuka na muntu yina ke sadisaka nge na kusumba nzo to na muntu yina nge me tulaka na kisalu mbala mosi mpi sonika bilumbu tatu ya mfunu: Sonika (1) kilumbu ya siki-siki ya Kilumbu ya Ntete ya Kusala Kifu (ntangu mbongo na nge ya ntama yina nge futaka ve konso ngonda fwete futama), (2) Nsuka ya Kubelula yina bo me sonika na Letter / Accetyle (3) na nge. Kilumbu ya Kuteka / Kuteka Bima ya Bo Me Bongisa to Kilumbu ya Nsuka ya Mvutu ya Kubinga Bantu na Tribinale (mingi-mingi bilumbu 20 tii na 30 na baprovense yina bo ke kangaka bima na tribinale). Konso kitaninu ya nsiku na nsi ya nsiku ya leta ti ya leta ke tadila bilumbu ikwa me bikala na ntwala ya kusala enchère to ya kukonda kufuta mbongo na tribinale.
2. Zaba kana leta to kizunga na nge kesadilaka Nsiku ya Kukanga Bima (na nzila ya kufunda na tribinale) to Nsiku ya Kukanga Bima Ve (Ngolo ya Kuteka na nzila ya muntu yina bo metulaka na kiyeka): Na baprovense 22 ya États-Unis Nsiku ya Kukanga Bima (bonso na New York, Floride, Illinois, Pensyl civil, Ohiovaur, nge fwete . mpe nge fuana pesa Mvutu ya kusonika na mfumu ya inzo ya mfundusu na ntwala ya kilumbu ya nsuka ya kubinga bantu samu na kukanga nzila na kuzenga mambu na mbala mosi. Na Baprovense ya Kele Ve ti Ngolo ya Kuteka (bonso Californie, Texas, Georgia, Washington, Virginie, mpi Arizona), muntu yina ke defisaka mbongo ke sadilaka mukanda ya kutudila ntima sambu na kusala enchère ya fidelite na nima ya kusonika Nsangu ya Kukonda Kufuta mpi Nsangu ya Kuteka ya Fidelite kukonda kufunda nge ntete na tribinale.
3. Binga Departema ya Ke Talaka Mambu ya Kuvidisa Bima / Kubumba Bima ya Nzo mpi lomba "Paquet de demande de mitigation des pertes" (Formulaire uniforme d'assistance à l'debiteur): Na nsi ya 12 CFR 1024.40, muntu yina ke sadisaka beno fwete pesa muntu mosi ya me kudipesaka na kisalu na yandi na ntwala nde muntu mosi ya ke salaka kisalu ya kukutana ti muntu mosi (SPOC) kusala kisalu na nge. Lomba bau na kutinda na nzila ya e-mail mpe na nzila ya poste paquet ya demande ya officiel ya kufiongunina kuvidisa mpe kuzaba investisseur to garantie ya sikisiki yina ke pesa maboko na mbongo ya nzo na nge (Fannie Mae, Freddie Mac, FHA / HUD, VA, USDA, to fidelite ya portfolio privée), mutindu ba investisseurs yina luyalu ke sadisaka ke lombaka ba nzila ya kubongisa masa ya sikisiki.
4. Solula ti ndongisi ya ofele, ya luyalu me ndimaka na yina me tala banzo ya HUD bubu yai: Na États-Unis, binga Telefone ya HOPE ya Nzo na 1-888-995-4673 to tala consumerfinance.gov/find-a-housing-counselor sambu na kusala ti ndongisi ya banzo yina me ndimama na HUD yina ke sosaka ve kubaka mbongo na zero cost. Muntu ya ke pesaka bandongisila na HUD lenda vukana na ba nsangu ya nzila tatu ti muntu yina ke sadisaka nge na kufuta mbongo ya nzo, kusala audit ya matematike ya kufyotuna kuvidisa, mpi kusadisa nge na kulomba lusadisu ya leta Fonds d’assistance aux propriétaires de maisons (HAF).
5. Submit a "Facially Complete Loss Mitigation Application" at least 37 calendar days before any scheduled foreclosure sale date: Under the federal CFPB Dual-Tracking Ban (12 CFR 1024.41(f) and (g)), if your servicer receives a complete loss mitigation application (either before the 120^th day of delinquency, or at least 37 calendar days before a scheduled foreclosure sale), the servicer is strictly prohibited by federal law from initiating foreclosure, moving for a foreclosure judgment or order of sale, or conducting a foreclosure auction until your application is fully evaluated and any timely appeal is decided.
6. Kutula ve ata fyoti diboko na mukanda ya Quitclaim, mukanda ya Garantie, to na kontra ya "kuteka-kufutila" ti konso muntu ya tatu yina kesila na "kugulusa" nzo na nge: Bantu yina kekusaka bantu na kugulusa bantu na mambu ya mbi ketala bantu yonso Nsangu ya Kukonda Kufuta mpi bo kepusaka bamfumu ya banzo yina mewa boma na kutula diboko na mikanda yina legal le legal le legal transfer na kinsweki mfumu a nzo una ye mfuka muna nzimbu za nzo. Kana muntu mosi me kwisa na kisika na beno sambu na kumeka kusoba kielo na mutindu ya kukonda nswa, kukatula nzila ya kusadila, to kupesa boma na nitu kukonda sheriff mpi mukanda ya tribinale yina bo me tula diboko, kwenda na kisika mosi ya mbote mpi binga nimero ya urgence ya bwala na beno (911 na États-Unis mpi na Canada a Union92) tala na beto nimero ya urgence répertoire.

Diagrame ya desizio: kukanga nzila na kukanga bima mpi kusadisa na kufyotuna kuvidisa bima¶

flowchart TD
    Start["Kufuta ve Nzo, Mukanda ya Kufwa Nsiku, Nsangu ya Kukonda Kufuta, to Kubinga na Tribinale"] --> StageCheck{"Wapi Mfuka Na Nge Na Ntangu ya Kukanga Bima?"}
    StageCheck -->|"Bilumbu 1 tii na 120 ya Kusala Mambu ya Mbi (Fenetre ya Bo Metaninaka Na Ntwala ya Kukanga Bima)"| Pre120["Nsiku ya Kukanga Bima ya Bilumbu 120 (12 CFR 1024.41(f)(1))"]
    Pre120 --> ShortOrLong{"Keti Mpasi na Nge ya Mbongo Kele ya Ntangu Fioti (Bangonda 3 tii na 12) to ya Mvula na Mvula?"}
    ShortOrLong -->|"Mpasi ya Ntangu Fioti (Kuvidisa Kisalu, Maladi, Kisumbula)"| Forbearance["Lomba Plan ya Formal ya Kukatula Ntima Na Nsuka ya Kufuta Mbongo to Kulomba Ndambu na Nsuka ya Kukatula Ntima"]
    ShortOrLong -->|"Kukulumusa Mbongo ya Mvula na Mvula to Bamfuka ya Mingi"| SubmitPackage["Tinda Paquet ya Demande ya Kufyotuna Kuvidisa Sambu na Kuyantika Kukangama ya Kulanda Zole"]
    StageCheck -->|"Kilumbu ya Me Luta 120: Bo Me Pesa Nsangu ya Kukonda Kulungisa To ya Kubinga Bantu na Tribinale"| ForeclosureType{"Ya Lusambisu (Kufunda na Tribinale) to ya Kusambisa Ve (Kuteka ya Fidelite)?"}
    ForeclosureType -->|"Kubinga Bantu na Kukanga Bima"| FileAnswer["Dosie Mvutu ya Tribinale ya Kusonika + Kulomba Lukutakanu ya Kuyidika Mambu ya Kukanga Bima ya Tribinale ya Kelombamaka na Bilumbu 20 tii na 30"]
    FileAnswer --> SubmitPackage
    ForeclosureType -->|"Nsangu ya Kukonda Kusambisa ya Kukonda Kufuta / Kuteka ya Fidelite"| Check37Days{"Keti Bilumbu Kuluta 37 ya Kalandrie Mebikala Na Ntwala ya Kilumbu ya Kusala Enchère?"}
    Check37Days -->|"Ee, Bilumbu 38+ Na Ntwala ya Kuteka"| SubmitPackage
    SubmitPackage --> Eval["Servicer Fwete Sukisa Kuteka (Kubuyisa Kulanda Bima Zole), Kutadila Na Nsungi ya Bilumbu 30, mpi Kupesa Nswa ya Kulomba Bilumbu 14"]
    Check37Days -->|"Ve, Na Nsi ya Bilumbu 37 (to Kuteka Kele na Mposo Yai)"| EmergencyHalt["Kukangama ya Kuteka na Nswalu: Kubelula Bamfuka na Nsadisa ya Kuvutula Na Kisalu, Kufunda TRO Sambu na Kufwa Bansiku ya RESPA, to Kufunda Kapu 13 Kubikala ya Kukonda Kufwa ya Kisalu"]

Kitini 1: Zaba ntangu ya kukanga bima ya leta mpi kitaninu ya "Dual-Tracking" .¶

Na États-Unis, Biro ya Ke Talaka Mambu ya Mbongo ya Bantu Yina Ke Sadilaka Bima (CFPB) ke zitisa bansiku ya insi ya ke tadila kisalu ya kusumba banzo na nsadisa ya Nsiku ya ke tadila mutindu ya kuyidika banzo (RESPA, Nsiku X, 12 CFR Kitini 1024). Na ntangu yonso yina kisika yina kele kisika na nge ya kuzinga (mpi muntu yina ke sadisaka nge kele ve muntu ya fioti yina ke defisaka mbongo yina ke defisaka mbongo 5 000 to fioti), banki fwete zitisa ndonga ya ngolo ya mambu yina salamaka na ntwala nde yo baka nzo na nge:

Ntangu ya nsiku ya RESPA X .¶

Step 2: Judicial vs. Non-Judicial Foreclosure (And how to protect your equity)¶

How a foreclosure proceeds, and whether a judge automatically reviews the bank's conduct, depends entirely on whether your jurisdiction uses a Mortgage (enforced through the courts) or a Deed of Trust with a "Power of Sale" clause (enforced outside of court by a trustee).

Comparison: Judicial vs. Non-Judicial Foreclosure¶

Step 3: Understand the "Loss Mitigation Waterfall" (Forbearance, Deferral, and Modification)¶

When you submit a Loss Mitigation Application, your mortgage servicer follows a strict mathematical "Loss Mitigation Waterfall" dictated by the agency or investor that owns or guarantees your mortgage (Fannie Mae, Freddie Mac, FHA / HUD, VA, or USDA). Look up whether Fannie Mae or Freddie Mac owns your loan using KnowYourOptions.com/loanlookup to MyHome.FreddieMac.com.

Ba niveau 5 ya Mitigation ya kuvidisa nzo (Kutanina nzo na nge)¶

1. Plan ya Kukatula Mfuka ya Nzo (Bangonda 3 tii na 12):
   • Ya mbote sambu na: Ba mpasi ya mbongo ya ntangu fioti, ya ntangu fioti (kuvidisa kisalu, kifu ya kimunganga ya ntangu fioti, kisumbula ya lugangu, to congé ya dibuta).
   • Mutindu yau ke salamaka: Kupema to kufiotuna mbongo ya nge ke futaka konso ngonda sambu na nzo na bangonda 3 tii na 6 (yina lenda landa tii na bangonda 12) na ntangu ya kukanga mbongo ya nzo.
   • Nsiku ya mfunu na nsuka ya Kukanga Ntima: Nge fwete futa ATA FIOTI ve mbongo yonso ya kukanga ntima yina nge me konda na mbongo mosi na nsuka ya nsungi ya kukanga ntima na konso defi ya Fannie Mae, Freddie Mac, FHA, VA, to USDA. Ntangu yonso lomba Kuvutula Kufuta to Kulomba Kitini ya FHA ntangu nge kebasika na kukanga ntima.
2. Kuvutula mbongo to FHA "Kulomba ndambu" (Kusoba ve na mbongo ya nge kefutaka konso ngonda):
   • Ya mbote sambu na: Bamfumu ya banzo yina monaka mpasi sambu na ntangu fioti, me vutula mbongo na bo ya mbala na mbala, mpi lenda yantika diaka kufuta mbongo ya nzo yina bo ke futaka konso ngonda, kansi bo lenda futa ve mbongo yina bo me bikala na nima na mbala mosi.
   • Mutindu yo ke salamaka: Na nsi ya Kuvutula Kufuta ya Fannie Mae / Freddie Mac to Kulomba ya Kitini ya FHA, muntu yina ke sadisaka bantu ke nataka 100 na kati ya nkama ya mbongo na nge ya me luta (tii na bangonda 6 tii na 12 ya kufuta mbongo yina nge me konda, to tii na 30 na kati ya nkama ya mbongo ya ntu-dyambu na A%-be-0) saldo subordinaire** yina nge fwete futa kaka ntangu nge ke teka, ke pesa diaka mbongo, to ke futa mbongo ya nzo yina nge me simbisa nge ntangu yo me lunga.
3. Nzila ya kufuta mbongo (Ngonda 3 tii na 12):
   • Ya mbote sambu na: Bantu yina ke defaka mbongo mingi yina me konda kufuta mbongo 1 to 2 mpi yina lenda yika ndambu ya mbongo yina bo me bikala na zulu ya mbongo yina bo ke futaka mbala na mbala konso ngonda.
4. Kusoba ya Defi (Kusoba ya Fannie/Freddie Flex, Kusoba ya FHA ya Bamvula 40, to Kusoba ya VA):
   • Ya mbote sambu na: Bamfumu ya banzo yina kele na kukulumusa mbongo ya ntangu yonso to ba mbongo ya me bikala mingi yina kele na mfunu ya kufuta mbongo fioti konso ngonda (mbala mingi bo ke sosaka kukulumusa mbongo na 20%).
   • Mutindu yau kesalaka: Ketulaka mbongo ya mebikala na zulu ya mbongo yina mebikala, keyedisaka ntangu ya kufuta mbongo tii na mvula 40 (bangonda 480) (yina mepesamaka nswa na nsadisa ya 24 CFR 203.616 sambu na FHA mpi Fannie/Freddie), mpi kekulumusaka ntalu ya mbongo yina bo fwete futa to ketulaka na lweka mbongo yina bo fwete futa sambu na mbongo yina bo fwete futa. Na nima ya kumanisa Plan ya Nsungi ya Kumekama ya bangonda 3 (TPP) na ntangu ya mbote, nsoba yina ke kumaka ya kimakulu mpi ke katulaka nswa ya kukanga bima.
5. Fonds d’aide aux propriétaires de maisons de l’État (HAF) to ba mbongo ya lusadisu ya urgence ya nzo:
   • Tala na ndongisila na nge ya HUD kana kimvuka na nge ya mbongo ya banzo ke pesa mbongo ya Fonds d’assistance aux propriétaires de maison yina ke salaka (mbala mingi tii na 25 000 tii na 50 000 USD) sambu na kufuta mbongo yina me bikala mbala mosi na servicer na nge.

4: Mutindu ya kuvukisa Paquet ya Kufyotuna Kuvidisa ya "Kufuluka na Luse" .¶

Kuluta 60 na kati ya nkama ya kubuya kusoba badepanse kesalamaka sambu muntu yina kesalaka kisalu ketulaka kidimbu na paquet "Incomplete" na zulu ya lutiti ya mukanda ya banki yina kele ve to na mukanda ya mpaku yina bo metulaka ve diboko. Sadila lisiti yai (kuniema na zulu ya 21,6 na 27,9 centimètre, to 8,5 na 11 inch, balutiti yina bo me bumba ata bametre 1,5, to makulu 5, na zulu ya nivo ya ntoto):

• Formulaire ya lusadisu ya muntu yina ke defa mbongo (formulaire 710 to yina me fwanana ti yo): Fulusa konso kisika (sonika "0.00" to "N/A" na kisika ya kubika bisika ya mpamba), tula kidimbu "Mu ke zola: Kubumba bima yina," mpi tula diboko mpi dati na nsungi ya bilumbu 30.
• Formulaire 4506-C ya IRS ya bo me tula diboko (Demande de transcription de la déclaration des impôts de l’IVES): Zikisa nde Ligne 3 ke wakana ti adresi ya siki-siki ya bala-bala yina bo me sonika na Formulaire 1040 yina nge me katuka kupesa.
• Fulusa mikanda ya mpaku ya leta (Bamvula 1 tii na 2 ya nsuka) ti Baprograme Yonso: Sonika konso lutiti mpi manaka ti baformulaire W-2 mpi 1099.
• Bilumbu 60 ya Ba Stubs ya Kufuta ya Kulandana ya Nsuka: Yo fwete monisa mbongo ya bo me baka mvula na mvula. Bantu yina ke defaka mbongo na bo mosi fwete tula diboko na Declaration de bénéfices et pertes (P&L) de l’année à jour yina ke tubila ata trimestre ya nsuka ya mvimba.
• Bilumbu 60 (2 Ngonda ya Mvimba) ya Badeklarasio ya Banki ya Mvimba sambu na Bakonti Yonso: Sonika konso lutiti mosi ya kele ti nimero (mu mbandu, Lutiti 1 na kati ya 6 tii na Lutiti 6 na kati ya 6, ata kana Lutiti 6 kele mpamba), to logiciel ya processeur automatique ta tula kidimbu na paquet **"Incomple
• Mukanda ya Mpasi ya Me Tulama (Lutiti 1) mpi Nzikisa ya Mbongo ya Ke Bakaka Ve Sambu na Kufuta: Tendula kilumbu mpi kikuma ya siki-siki ya mpasi na nge mpi yika mikanda ya lufutu sambu na Securité Sociale, SSDI, kikata ya VA, mbongo ya pansio, to mbongo ya lusadisu.

5: Banzila ya mbote ya kubasika kana nge lenda sumba ve nzo (Kubumba mbongo na nge mpi mbongo na nge)¶

Kana mbongo na nge me kulumuka kimakulu na mpila nde nge lenda futa ve ata mbongo ya nzo yina bo me soba, kukwenda ve ata fioti mpi kubika nde nzo yina kukwenda na enchère sambu na kukanga nzo:

1. Kuteka ya Equité ya Conventionnel (Kana Nzo na Nge Kele na Valere ya Kuluta Mfuka ya Nge):
   • Kana ntalu ya nzo na nge na zandu meluta ntalu ya nzo yina nge mebikala ti mbongo yina nge mebikisa, sonika nzo yina nge fwete teka na zandu ya kukangula ti muntu yina kele ti nswa ya kuteka banzo mbala mosi mpi tinda mukanda ya Kuwakana ya Kusumba (mpi konso Kontra ya Kusumba) yina bo metulaka maboko na muntu yina kesalaka kisalu sambu na kulomba Kuvutula Kuteka. Kuteka kefutaka mbongo yonso ya nzo, kekangaka nzila na kukanga bima, mpi ketulaka 100 na kati ya nkama ya mbongo na nge ya mpamba yina mebikala na konti na nge ya banki.
2. "Kuteka ya Nkufi" ya Bo Me Ndima (Kana Nge Kele ti Mfuka ya Kuluta Ntalu ya Nzo):
   • Kana nzo na nge kele na nsi ya masa, lomba Kuteka ya Nkufi yina me ndimama, kisika muntu yina ke defisaka mbongo ke ndimaka mbongo ya kuteka na zandu bonso mbongo ya kufuta na mvimba na yo, ke basisaka mbongo yina bo me kangaka, ke katulaka konso lusambisu ya kukonda na mukanda, mpi mbala mingi ke futaka 3 000 tii na 7 500 USD sambu na kusadisa muntu na kukwenda kuzinga kisika ya nkaka.
3. Mukanda ya Kukatula Bima ("Mbongo ya Bafungula"):
   • Kana kele ve ti ba liens ya fioti na zulu ya titre, nge lenda vutudila nge na luzolo yonso mukanda yina na muntu yina defisaka nge mbongo na kisika ya kubaka kukatula ya mvimba ya mbongo ya nzo yina nge me defisaka mpi 3 000 tii na 7 500 USD na mbongo ya kukwenda na kisika ya nkaka.

Kitini ya 6: Bisadilu ya nswalu ya minuta ya nsuka ntangu enchère ya kukanga bima me bikala na nsi ya bilumbu 37 .¶

Kana bo me yidika nde bo teka nzo na nge na nima ya bilumbu fioti mpi nge me konda bilumbu 37 yina Nsiku X ke lombaka, sadila mosi na kati ya bima tatu yai ya nsiku ya ke sadisaka na urgence:

1. Sadila "Nswa na Nge ya Kuvutula" (Kubelula Bamfuka na Ntwala ya Kuteka):
   • Ba kontra ya nsiku ya kusumba nzo (Paragrafe 19) mpe bansiku ya leta ke pesa nge nswa ya nsiku ya kukanga nzila na kufuta Mbongo ya Kuvutula (kaka mbongo ya ngonda yina me luta ti mbongo ya retard yina me vukana mpe mbongo ya kukanga nzo, kansi ve mfumu ya nzo ya mvimba to mbongo ya wire) na nzila ya cheque. Lomba Devis ya kuvutula ya kusonika mbala mosi.
2. Kufunda na tribinale ya leta sambu na nsiku ya kukanga muntu kisalu sambu na ntangu fioti (TRO) na kutadila mambu yina yandi salaka:
   • Kana muntu yina ke pesaka kisalu me sala mambu yina ke wakana ve ti nsiku kulanda mambu zole (kukwenda na nzila ya enchère na nima ya kutinda paquet ya mvimba ya Loss Mitigation bilumbu kuluta 37 na ntwala ya kuteka) to yandi me tinda ve bansangu yina nsiku ke lomba, avoka yina ke taninaka bantu yina me kanga bima lenda funda yandi na tribinale ya leta mpi Motion for a **T enchère.
3. Kupesa Mukanda ya Kulomba Kufwa ya Kapu 13 Na Ntwala ya Marteau ya Enchère Kubwa (Kubikala ya Automatique):
   • Na nsi ya 11 U.S.C. 362(a), ntangu ya sikisiki ya nge ke pesa Kapu 13 (to Kapu 7) Demande ya kufwa ya mbongo na sekretere ya tribinale ya nene ya ke tadilaka mambu ya mbongo, ata miniti 15 na ntwala ya enchère yina bo me yidika, nsiku ya leta ke yantika kusala mpi shendurect ke sala yo mbala mosi sambu na inderlo auction (katula kaka kana bo me katula yandi na kisalu mbala mingi na ntwala na nsungi ya bangonda 12 na kutadila 11 U.S.C. 362©(3)/(4)).
   • Na nsi ya 11 U.S.C. 1322(b)(5), Kapu 13 ya kufwa ya nzo ke pesa nge nzila ya kupusa banki ya mbongo ya nzo na ngolo na kusala plan ya kufuta mbongo ya bangonda 36 tii na 60 (bamvula 3 tii na 5) yina tribinale ke twadisaka na zulu ya mbongo ya nzo yina nge me bikala na nima na ntangu nge ke yantika diaka kufuta mbongo ya nzo na nge yina ke landa mbala na mbala, sambu na nzo na nge.

International guidance: United Kingdom, Canada, and Australia¶

• In the United Kingdom (FCA Mortgage Charter, Pre-Action Protocol, and Section 36 Norgan Orders): Under Financial Conduct Authority (FCA) rules (MCOB 13) and the UK Mortgage Charter, lenders must treat repossession as a last resort after offering tailored forbearance (such as switching to interest-only payments for 6 months or extending the mortgage term) and complying with the Ministry of Justice Pre-Action Protocol for Possession Claims Based on Mortgage Arrears and 60-Day Breathing Space moratoriums. If taken to County Court, attend the hearing and ask the District Judge for a Suspended Possession Order (SPO) under Section 36 of the Administration of Justice Act 1970 (Cheltenham & Gloucester v Norgan), which lets you stay in your home by paying your normal monthly payment plus a small arrears contribution spread over the entire remaining mortgage term. Also check eligibility for Support for Mortgage Interest (SMI) loans.
• In Canada (Power of Sale vs. Judicial Foreclosure and CMHC Assistance): In Power of Sale provinces (Ontario, NB, PEI, NL), once served with a Notice of Sale Under Mortgage after 15 days of default, Ontario homeowners have a 35-day statutory Redemption Period to reinstate the loan by paying arrears and costs under Section 22 of the Mortgages Act. In Judicial Foreclosure provinces (BC, AB, SK, MB, NS), the court grants an Order Nisi with a 6-month Redemption Period. If your mortgage is insured, call your lender and CMHC (1-800-668-2642) to request arrears capitalization, payment deferral, or amortization extension up to 40 years.
• In Australia (National Credit Code Section 72 Hardship Notices and AFCA Stay): Email your bank's Financial Hardship Team stating: "I am giving a formal Hardship Notice under Section 72 of the National Credit Code." The bank has 21 days to respond. If the bank serves a Section 88 Default Notice (30 days to cure) and rejects your hardship request, lodge a free complaint with the Australian Financial Complaints Authority (AFCA) at afca.org.au before the 30-day notice expires, which legally freezes court repossession while AFCA investigates.

Bangyufula yina bantu keyulaka mbala na mbala¶

Bo me tala bisika yina bo me katuka¶

• Consumer Financial Protection Bureau (CFPB, United States): Real Estate Settlement Procedures Act (RESPA, Regulation X, 12 CFR Part 1024: Section 1024.39 Early Intervention, Section 1024.40 Continuity of Contact, Section 1024.41 Loss Mitigation Procedures Including the 120-Day Pre-Foreclosure Ban, 37-Day Dual-Tracking Prohibition, and 14-Day Appeal Rights, and Section 1024.30 Successors in Interest).
• US Department of Housing and Urban Development (HUD), Fannie Mae, and Freddie Mac (United States): FHA Single Family Housing Policy Handbook 4000.1 (Loss Mitigation Waterfall, Standalone Partial Claim, and 40-Year Loan Modification under 24 CFR 203.616), Fannie Mae Servicing Guide (Payment Deferral and Flex Modification), and Garn-St. Germain Act (12 U.S.C. 1701j-3).
• Federal Trade Commission (FTC, United States): Mortgage Assistance Relief Services (MARS) Rule (Regulation O, 12 CFR Part 1015) and Consumer Alerts on Foreclosure Rescue and Deed Theft Scams.
• Supreme Court of the United States & United States Bankruptcy Code (United States): Tyler v. Hennepin County, 598 U.S. 631 (2023) (Constitutional Protection of Home Equity Surplus) and 11 U.S.C. 362 / 1322(b)(5) (Bankruptcy Automatic Stay and Chapter 13 Mortgage Arrears Cure).
• Financial Conduct Authority (FCA) & Ministry of Justice (United Kingdom): MCOB 13 (Arrears and Repossessions), UK Mortgage Charter, Pre-Action Protocol for Possession Claims Based on Mortgage Arrears, and Administration of Justice Act 1970 Section 36 (Suspended Possession Orders).
• Financial Consumer Agency of Canada & Canada Mortgage and Housing Corporation (Canada): Provincial Mortgages Act Power of Sale Redemption Rules vs. Judicial Foreclosure Order Nisi Procedures, and CMHC Homeowner Default Management Tools.
• Australian Securities and Investments Commission (ASIC) & Australian Financial Complaints Authority (AFCA, Australia): National Credit Code Section 72 (Hardship Notices), Section 88 (Default Notices), and AFCA Complaint Enforcement Stays.

Bantwadisi ya ke wakana¶

• Triage ya faillite ya urgence mpi kubikala ya automatique
• Eviction notice and tenant defense
• Bansangu ya kutadila mpaku, kuvutula mpaku, mpi kunwanina salere
• Utility shutoff notice and emergency energy assistance
• Mpasi ya mbongo ya kintulumukina .