I hold title to the manufactured home
I hold title to the manufactured home
I had to file chapter 13 bankruptcy after a messy divorce and Child Custody Modification. The Court awarded me the Manufactured Home on 19.19 acres with no equity. The property was foreclosed. I have full-custody of my daughter now. I recently found the title to the Manufactured Home and it is free and clear with no lien holder listed. I'm in Missouri. Is the home mine? Through all of the anxiety of the crappy court system I forgot that I had paid cash for that home. I just assumed the house was in the Mortgage. Everything originally appraised for $144,000. I tried to sell it for over 2 years during just as the housing crisis began and didn't even get an offer for $90,000. It had, about a $20,000 2nd Mortgage from the same credit union. I was a mess over all of the court issues. I just had a chance to do some research on the internet and figured out that I could have wiped out the 2nd Mortgage and done a Cram Down on the Mobile home and kept the property. Then the title for the manufatured home turned up. I went to the County Assesors office and found out in the Forclosure the house and property sold for $57,055 with a Special Warrenty Deed. The lady At the DMV told me nobody else shows up on the Manufactured Home Title. She thinks the Home is mine. I never received notice of foreclosure and didn't have a chance to retreive some personal items. If the home is mine, what should I do? My bankruptcy atty won't return my calls and the trustee office says they can't give me advice.
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