After the subsidy loan expired on the home, it could have easily been offered to have it reinstated with reapplying which would have kept the house pmt. To the original amount instead after forclosure only then was that option revealed. It would have avoided a bankrupcy, and getting ripped off from a morgage modification scam and then losing the home to an auction where I believe the trustee somehow ends up benefiting by having an entity buy this one for 14k and could sell it for much more. Just a guess.
Harry
desert hot springs, California
U.S.A.
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