Yes, I know you’re not my lawyer and your are not responsible for me taking any ideas presented here and destroying my life with them, and you are welcome to add any additional disclaimers you wish.
I am nearly at the end of getting out from under a foreclosure and having the case dismissed. I have made a series of payments to the mortgage holder on an agreed upon schedule, and even the judge said at the last court session that should I complete the payments as scheduled, she expects to dismiss the case at the next hearing (or whatever one would call the particular courtroom session.) This next and perhaps final session is next Tuesday, and I have completed my payments as scheduled.
Over the course of the last year I’ve received communications from at least 3 different offices within Citimortgage, the mega-evil corporate monstrosity that owns the mortgage. There’s a lot of evidence that none of them know that the other branches are also communicating with me – often the instructions or communications from them are in conflict with or contradict one another.
The settlement offer that was put before the court came from one of these, and it’s very specific. Once I have made the payments they will send me a new mortgage to sign, and they even specified the APR and mortgage term.
My concern is that should the case simply be “dismissed” I will continue to receive conflicting and contradictory instructions about resuming my mortgage payments. I do not yet have a new mortgage in hand to sign, and I have no idea whether I’ll get one before next week. For all I know one of their offices will send me a mortgage or make some kind of demand that completely ignores the agreement before the court.
What I want to accomplish is for the terms of the agreement that I’ve been basing these payments on, to be officially recorded as the settlement terms of the case’s dismissal. My non-lawyer self imagines that the case could be dismissed without this, with simply a note that says the case is dismissed by the agreement of both parties. If that’s the case, and Citi then decides to make some other offer that I can’t afford, they could start foreclosure proceedings again next month, and I would either have to repeat the same drawn out ugly process, or sue them for breaching the repayment agreement we had, or both.
OTOH, if the settlement specifics are recorded, I’m imagining I could return to this very judge and get some form of redress as some kind of violation of the terms of the settlement.
Can I do this? How do I do this? Is it done automatically? Is it something I have to specifically request?
How realistic are my concerns?
Oh, and one more thing. We will be ten days away from the 1st of June, and I may not know how much I’m supposed to pay or even where to send the money.