Foreclosure

My husband and I filed a chapter 13 about 2 years ago. We have not been able to make our house payments and the repayment amount required by the court for the restructure. Our house is now in foreclosure. What are our options now?

I have disputed the trustee sale on my home scheduled for May 13th. I am desperately trying to negotiate a modification but they are no longer the 'true owners' of the note/deed of trust. They cannot tell me who holds the note. I got further notice that they plan to go ahead with the sale as scheduled but put in a clause stating the following: 'IF THE TRUSTEE IS UNABLE TO CONVEY TITLE FOR ANY REASON THE SUCCESSFUL BIDDERS SOLE AND EXECUTIVE REMEDY SHALL BE THE RETURN OF MONIES PAID TO THE TRUSTEE AND THE SUCCESSFUL BIDDER SHALL HAVE NO FURTHER RECOURSE'. Is the trustee supposed to start all over again since the true owner is unknown and therefor his fiduciary duty has been breached and is a form of fraud? I also believe at my local home owner's association level and the real estate company that works with the community association has a buyer lined up. All my notices had been opened before I received them.

In the state of Idaho, if a bank makes a non-recourse loan on real property with the property put up as collateral and the property goes into foreclosure, can the bank seek and receive a deficiency judgment?

We are being financially forced to leave the state. What are our options (can not sell) regarding the mortgage on our manufactured home?

Is it legal for a bank selling a foreclosed property to have an addendum that states the buyer is responsible for any monies in assesments, such as association fees on a townhome in arrears?