CNNMoney informs MHProNews that home foreclosure may not end a borrower’s monetary responsibility if the bank does not transfer the deed or hold an auction. Almost two million properties started but never completed the foreclosure process, which can leave the borrower holding the bag for property taxes, fees, and association dues. Often these properties are in lower income neighborhoods that lender’s delay taking possession of to save taxes because it is tougher to sell properties there, according to RealtyTrac. In some cases borrowers have suddenly been hit with large tax bills several years after discharging the mortgage, further damaging their credit score and their credit.

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