A credit card company generally cannot come after your house directly because credit card debt is unsecured debt, meaning ...

Typically, the former homeowner of record at the time of foreclosure and any subordinate lienholders, such as second mortgage holders or judgment creditors, are eligible to claim surplus funds.

Defective Pre-Foreclosure Notices Can Invalidate the Entire Action New York law requires that homeowners receive a specific notice at least 90 days before a foreclosure case is filed.