Recently I have been getting asked how long the foreclosure process takes. There is no standard answer to that question. I work in New York which has what is referred to as a judicial foreclosure process. To foreclose the bank must commence a law suit. The cases often take a year or more. Right now the Courts are imposing mandatory conferences which delay the process and bankruptcy will delay the process further. It is not always necessary to win if you can simply not lose.
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Another thing I’ve really noticed is that for many people, below-average credit is the reaction of circumstances above their control. By way of example they may be actually saddled with an illness and as a consequence they have large bills going to co…
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