If you live in Bear and have fallen behind, the sheriff who matters is New Castle County's, because Bear is unincorporated and has no municipal government of its own. The state steps are the same everywhere in Delaware. A notice of intent comes first, then the complaint. A mediation notice travels with the complaint for covered homes. After service, the 30-day counselor deadline starts.
No obligation. We respond within 24 hours.
Kaizen Home Buyers can quote a cash price for the house as it is within 24 hours. No repairs and no agent commission are involved, and closing can be 14 to 30 days out or on your date. We cannot postpone a sale or change a court date. Only the lender's attorney, the sheriff or the court can. If you already have a payoff letter, send it with your first message and we can price against a real number instead of a guess.
Under the statute, the homeowner must meet with a HUD-approved housing counselor and file a Certificate of Participation within 30 days of the date the mediation notice was served. Missing it can cost you the mediation. The conference is set 45 to 75 days after service, and no judgment can be entered in a covered case until the day after it. The state hotline is (800) 220-5424.
The Attorney General's page lists loan modifications, repayment plans, forbearance, short sales and deed-in-lieu arrangements as possible outcomes. The program is free and aims for face-to-face talks with the lender. Parties are expected to appear in person, and the lender must have someone with settlement authority available. Bring pay records and a hardship explanation.
New Castle County sells on the second Tuesday of each month at 9:00 a.m. at the City/County Building, 800 N. French Street, Wilmington. Bidders register from 7:30 to 9:15 a.m. and need $10,000 in certified funds, collected only from the winner. On mortgage sales, 20 percent is due at the time of sale. Confirm any date with the plaintiff's attorney or call 302-395-8450. Housing in Bear leans toward 1990s construction at about 30% of the stock, so a house with original systems may sell for less than a recently updated neighbor, which affects whether a sale before the auction leaves money.
Send the address, what you owe and any sale date. We estimate the house as it stands so you and your counselor can compare it with the payoff. Bear homes from the 1990s may need updates, and our figure accounts for them. Whether a sale beats a workout depends on your equity. Fox Run, Brennan Estates and Sunset Lake are among the subdivisions the city profile names, so tell us which one you live in and whether you owe any association dues.
We aim for 14 to 30 days or a date you choose, but the lender and title company control payoffs and timing. Call 267-329-0084.
No. Bear is unincorporated, so New Castle County's sheriff handles the sale. Check your papers for the court and attorney named.
The statute ties the Certificate of Participation to that window and warns the mediation may be lost. Call the hotline and an attorney right away. The statute treats that 30-day window as the point where a mediation can be lost, so a short call to a counselor is better than waiting for a conference notice to arrive.
Yes, according to the Attorney General's page, for owner-occupied one-to-four unit primary residences. The state program lists loan modification, repayment plan and forbearance as ways to stay in the home, and short sale or deed in lieu as ways to leave on better terms.
Kaizen makes as-is cash offers. Closing can be 14 to 30 days out or on your date, depending on the lender and court.
General information, not legal or tax advice. Rules change; confirm details with the office or a professional.
No obligation. No fees. Just a fair offer from a local buyer.