Mortgage Company - Real Estate property tax - land auctioned off
Looking for advice on what my options are. I'm on a high school teacher salary and never had to seek out an attorney for any reason. Location: Oklahoma
Long story short: My home & small piece of land are on 2 parcels that were purchased together. In late 2023 l received notices from the county that my taxes weren't paid. I called my mortgage company since they're the ones that have been paying them each of the previous years we've owned this house with no issues. I got another letter from the county in 2024. I called mortgage company and let them know it happened again. They said we're on it. I left the country for work for 4 months while my wife and kids stayed behind. While I was overseas we got another letter saying my property would go up for auction if taxes aren't paid. My wife called mortgage company again, they say they're going to get it taken care of, not sure what the issue is, but they're on it though.
Right before I come home, my wife gets a letter from the county that our property was auctioned off and we have 1 year to appeal the sale. It was only one of the 2 parcels we own that got sold off - a .5 acre plot that's basically my front yard all the way down to the road.
After back & forth with county and mortgage co. we found out the issue was that the actual mortgage paperwork that we signed does not list both parcel numbers. We owned both parcels according to the county, but the bank said oh, well we only paid for the taxes listed on the mortgage you signed, not our problem. Problem for them is, the descriptive measurements in the paperwork include both parcels, they just forgot to type both parcel numbers in.
Mortgage co. admits fault. We get a letter from them saying that they messed up and are fixing it. Haven't heard anything in a while so called today and was told the last thing written in the notes for my account are from a few months ago that said the company was trying to purchase the property back from the person that bought it at auction. I'm waiting for a response from someone else higher up, but I feel like they're intentionally dragging their feet to get to the 1-year point where nothing can be done.
I don't need the "why didn't you just pay it yourself, you're equally at fault" response. I was in Germany and that's neither here nor there; the ultimate point is that the bank admitted it's their fault and are trying to buy it back but it's been almost 5 months and no progress.
What are my options that I need to be finding a quality attorney for?
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