[Foreclosure Questions]

My home is currently in foreclosure. There is both a mortgage and a HELOC. The bank has accepted payments on both -- even after the foreclosure was filled. Does that make the foreclosure void since they accepted payments? I can bring the accounts current, it's the attorney fees, etc. that are included right now.

[Loanmodificationhelp]

You need to understand the difference between accepting payments and applying payments. The bank may accept payments but not apply to mortgage. The money can go into a suspense account where it will sit until the bank decides to send back. So because they accepted payments does not mean they are applying to past due amount.

[Loss.Mitigation]

I cant say this enough!
CALL THE BANK !
Ask them where the payments are going, If you can get current, if you can work out an agreement.

there is no person here (unless your banker is a forum member) that can answer those questions.