We have a modular home on our own property. It has been there for 10 years. We are letting them foreclose on the home and it is attached to really nice decks etc. We are told that they will come and get it and pull it out and it is our responsibility to take the decks that are attached to the home off. They also said that if the electricity was still on that they would not call the electric company to have them come and disconnect it. This is a place we've had for years and we live in another state. Can they come at any time to do this and not let us know. I have done all the calling just to try and find out when they will come for it. The Lenders are the famous GreenTree Group. Buying through a company like GreenTree you deal with yo yo's and we just started missing our payments which are $385 since all of this economy went to the dogs. Of course for 10 years only $64 has gone to the principal and we still owe $28,000 on it and bought it for $37,000 in 1998. What should we do legally to keep them from distroying the decks etc. I'm attaching a picture of the home. Thanks so much.

A true modular home is generally on either a crawlspace or a basement. If the home is up on cinderblocks that is not a modular home. Yes, they can come and take it apart at any time they so wish if it is on your property. The only way to keep your decks from being ruined would be to remove them as soon as possible as the workmen that the bank sends are not going to care how they move them out of the way. As far as them calling the electric company, legally the bank has to hire a licensed electrician to properly disconnect the home from the electric power. This type of thing is usually done by the crew that does the dismantling of the home in preparation for transporting off the site. A good idea would be to cancel the electric service to this home so there is no live electric available for the workmen to use. They usually bring their own generators to the jobsite for dismantling purposes.