Help After Wrongful Foreclosure

 

My name is Judy Simone and since 1985 I was the homeowner of address 2052 Park Row in North Saint Paul. My ex-husband and I built this house and raised our 2 daughters here. For the past 2 1/2 years I have been going through litigation with a law clerk/attorney who was granted the title to my home as of November 2021. I just received notice that I lost eviction hearing and now only have until April 5th to be out.

In 2005 I opened a line of credit with TCF Bank after my divorce. In 2014-2015 I had unknown purchases on my checking account which was also the same account for my mortgage. They issued me a new card and it happened again so I made a police report and requested new account to prevent the fraud. With fees and purchases that drained my account I struggled to get proper help from TCF to pay my mortgage payments. With help of NeDA I was able to prevent my home from foreclosure sale and become current. 

Shortly after I recieved a letter that TCF transferred my mortgage over to the lender Shellpoint. Since December 2017, I have been up to date on mortgage payments, property taxes and utilities. 

During 2019, my mother passed away and with the inheritance I decided I would put it towards improvements on the house and a new vehicle. I retired after 30yrs from Cub Foods Assistant Journeyman Baker thinking I had alot to look forward to. 

I ordered wood to resurface my deck, repaired a leak in the roof, and had my garage walls mudded and painted. All things I cannot take with me. 

My daughter Danielle Simone was served a petition on June 2020. "Proceedings Subsequent to Initial Registration of Land before the Ramsey County Examiner of Titles seeking the issuance of a new certificate of title to the Property." Not easy to understand and there was a deadline. After researching and seeking legal help I was told TCF Bank proceeded with foreclosure auctioning on my land (torrens) for $16,589.00 that was sold to a a man who is a government worker, a Minnesota Judicial Law Clerk and an attorney representing himself. Somehow, he has continued to harass and push forward to obtain ownership of my property. There are many questions unanswered and many facts regarding the interest.  Many of the properties are listed as resale construction but he denies that it is house flipping. There is limited help for my case, I have been turned down, unable to recieve help. I have suffered legal malpractice that granted Plaintiff summery judgement, preventing my case to go to jury trial. I was never served, there is a conflict of interest here, along with mortgage fraud documents from 2008. I am losing a $400,000 home, my equity, possibly a remaining mortgage, along with an eviction on my record. The case unfortunately started way before the purchase of my land. I should have been given right to be heard and being told theres no time. I am asking for support to help pay for moving costs and to afford a place to move at this time any donations are greatly appreciated.