New Hampshire (NH) Foreclosure Regulations

This site is for you if you're in New Hampshire (NH) and saying - "I must sell my house quickly. I need help. My problem could be divorce, bankruptcy, foreclosure, relocation, illness, liens, lay off / out of work, I can't refinance or get a mortgage, or that my house is listed with a real estate agent but is not selling. I want someone to buy my home quickly and close fast. I do not want to pay commissions". And if your lawyer / attorney is handling your Chapter 7 or Chapter 13 bankruptcy, foreclosure or estate, and has advised you to cash out of your real property now, let's talk. Or, if you are not in any difficulty but you do not want to list with an agent and just want to sell your home, condo, land or apartment building now - Alternatives in Realty / MyHouseForCash may provide the answer you seek.
In all areas we may provide assistance and help to those people seeking support in the quick buying and selling of real estate (houses, mobile homes, land, single family, multi family, duplex, condos, condexes, townhouses, commercial / retail strip malls, etc.) as it relates to bankruptcy (Chapter 7 and Chapter 13); foreclosure (stopping and avoiding foreclosure); divorce; relocating and relocation; estates; probate; inheritance of real estate; landlording, income, rental, or investment property; illness and death; getting cash quickly or assisting with badly needed cash due to layoffs; avoiding the payment of real estate commissions, etc.: Allenstown, Amherst, Atkinson, Antrim, Ashland, Auburn, Barnstead, Bedford, Boscawen, Bow, Brentwood, Chester, Chichester, Candia, Canterbury, Concord, Contoocook, Danville, Deerfield, Deering, Derry, Dover, Durham, Epping, Epsom, Exeter, Francestown, Franklin, Fremont, Gilmanton, Gilford, Goffstown, Greenfield, Greenville, Hampstead, Hampton, Hollis, Hopkinton, Hudson, Hooksett, Jaffrey, Kingston, Laconia, Lee, Litchfield, Londonderry, Loudon, Lyndeborough, Manchester, Meredith, Merrimack, Milford, Mont Vernon, Nashua, New Boston, New London, New Ipswich, Newton, Newfields, Northfield, Northwood, Nottingham, Pelham, Pembroke, Penacook, Peterborough, Pittsfield, Plaistow, Portsmouth, Raymond, Rindge, Salem, Sandown, Somersworth, Stratham, Suncook, Tilton, Weare, Webster, Wilton, Windham, Wolfeboro AND MORE in New Hampshire. In Massachusetts we serve Lawrence, Lowell, Methuen, Haverhill, AND MORE. Depending upon availability, we may also be able to refer you to another investor in Rhode Island, Connecticut, California, Virginia, Texas, Michigan among other states; and in Massachusetts, Worcester, Fitchburg, Leominster, Gardner, Westminster, Auburn, Shrewsbury, Shirley, Northborough, Acton and neighboring towns; in Florida, Tampa, St. Petersburg, Plant City, Pinellas Park, Lealman, Largo, Port St. Lucy, Port Charlotte, Fort Pierce, Venice Beach, Viro Beach, Plant City, Hillsborough County, Pinellas County, Clearwater, Dunedin and Palm Harbor.

Foreclosure Regulations From The New Hamsphire Code (Just An Excerpt) And...

A Story Of Another Scam (?)

TITLE XLVIII CONVEYANCES AND MORTGAGES OF REALTY
CHAPTER 479 MORTGAGES OF REALTY
Foreclosure of Power of Sale Mortgage, or Sale Under the Power
Section 479:25

479:25 Sale Under the Power. – Instead of such suit and decree of sale, the mortgagee or his assignee may, upon breach of the condition, give such notices and do all such acts as are authorized or required by the power, including the giving of a foreclosure deed upon the completion of said foreclosure; but no sale under and by virtue of such power shall be valid and effectual to foreclose such mortgage unless the following conditions are complied with:

I. Notice of such sale shall be published once a week for 3 successive weeks in some newspaper of general circulation within the town or county in which the property is situated. In the event that the mortgaged premises are situated in more than one county, publication in a newspaper of statewide circulation shall be sufficient. The first publication shall be not less than 20 days before the date of sale, calculated by excluding the date of publication of the first notice and the date of sale.

II. A copy of said notice shall be served upon the mortgagor or sent by registered or certified mail to his last known address or to such person as may be agreed upon in the mortgage at least 25 days before the sale. The term "mortgagor' shall include the mortgagor and any grantee, assignee, devisee or heir of the mortgagor holding a recorded interest in the mortgaged premises subordinate to the lien of the mortgage, provided that such interest is recorded, at least 30 days before the date of the sale, in the registry of deeds for the county in which the mortgaged premises are situated. Like notice shall be sent to any person having a lien of record on the mortgaged premises, provided that the lien is recorded at least 30 days before the date of the sale in the registry of deeds. The notice shall be sent not less than 21 days before the sale. Such notice of sale shall be sufficient if it fully sets forth the date, time, and place of sale; the town, county, street or highway and street number, if any, of the mortgaged premises; the date of the mortgage; the volume and page of the recording of the mortgage; and the terms of the sale. Any mortgagor or record lienholder who refuses to accept or claim mailed or served notice or who frustrates attempts by the mortgagee to give notice of the sale by failing to give or leave a forwarding address or by other act or omission shall be deemed to be notified of the sale, provided that such mortgagee shall have made a good faith effort to provide such notice. Notice of the sale as served on or mailed to the mortgagor shall include the following language:
"You are hereby notified that you have a right to petition the superior court for the county in which the mortgaged premises are situated, with service upon the mortgagee, and upon such bond as the court may require, to enjoin the scheduled foreclosure sale.' Failure to institute such petition and complete service upon the foreclosing party, or his agent, conducting the sale prior to sale shall thereafter bar any action or right of action of the mortgagor based on the validity of the foreclosure.

a. No claim challenging the form of notice, manner of giving notice, or the conduct of the foreclosure sale shall be brought by the mortgagor or any record lienholder after one year and one day from the date of the recording of the foreclosure deed for such sale.

III. The sale shall be held upon the premises except where a different place of sale is agreed upon in the mortgage. In the event that the mortgage shall contain more than one parcel of land, the sale may be held on either parcel as may be specified in the notice of sale.

IV. No foreclosure sale shall be invalid or ineffectual to foreclose a mortgage pursuant to this section if any party entitled to be sent notice and not sent such notice shall, either before or after such foreclosure sale, waive its right to have been sent such notice, or if the lien or interest of such party in the mortgaged premises shall at any time be released or discharged. A waiver of notice authorized or validated under this section shall be recorded in the registry of deeds in the county where the property is situated.

Source. 1899, 19:3. 1905, 2:1. 1923, 115:1. PL 215:23. RL 261:23. RSA 479:25. 1967, 187:1. 1977, 401:1. 1979, 224:1. 1985, 248:1. 1990, 167:4. 1991, 203:2, 3. 1993, 206:1, eff. Aug. 8, 1993.

Used with permission, from the State of New Hampshire RSA, Chapter 479.
*** Refer to the entire text and seek professional assistance if necessary, to ensure your understanding of the material.

Another Scam???

Here's a quick story for you:

We were doing a search for foreclosure services in a major search engine. One of the companies that appeared on the top of the list stated that they can stop foreclosure, enable the homeowner to keep their home, manage the entire foreclosure process, keep your credit strong and even bring you up to date on your mortgage. Wow! They sounded absolutely perfect. After all, they clearly stated that they could meet every important need of someone in or about to go into foreclosure.

We wanted to learn more so we attempted to contact them. We went through their entire wesbite and we could not find an address or their phone number. They could have been in another country for all we knew.

We went to their "About Us" page and it said, once again, very little "real" information about them. Again, there was no information about where they were located, how long they were in the business, etc.

So we took the next logical step and contacted them by email. We asked them to tell us where they were located, what their phone number was, how long they were in business, etc.

Guess what? We never got a response. Surprised? We weren't.

Companies like this are everywhere.

Would you want to pay fees of hundreds or thousands of dollars and trust the future of your credit and foreclosure to a company that fails to do something as simple yet as important as identify themselves? Think about it.

The bottom line:

- You've read about it throughout this website.

- There are many incompetent and unethical people chasing after people in foreclosure or in other financial difficulty.
- The inexperienced people who took a TV infomercial course and are looking to "get rich quick" or those who are "experienced" at ripping people off pose very real dangers and threats to you.
- It is essential that you screen everyone carefully. Use good judgment. Do your homework. Make them prove what they claim.

You owe it to yourself to work with a company that is ethical, capable of doing what they say and with a proven track record of success in assisting others in circumstances that are similar to yours.