<prompt> Human: Hello rpf! You guys have been a huge resource in the past and I dont know where else to go. I will try to be as brief as possible and can elaborate where needed. We are in New Jersey.nbsp;TL;DR Mom purchases home She gets put on permanent disability Home goes into foreclosure Years later we try to short sell the house Early in process home catches fire Thankfully policy was kept under her name Sheriffs date served within 3 weeks of date. Now less than 2 Public Adjuster is pressuring us to sign over authority so his contractorrestoration buddy can handle everything on their own Short Sale Realtor has interest in buying the house himself and is putting extreme pressure to finish paper work so that he may resume the process. We are afraid of losing insurance benefits such as temporary housing and personal property coverage if my mom officially loses the home.nbsp;The long and long of it:nbsp;My Mom purchased her first home ever in 2008. A couple years after she was put on permanent disability and is no longer able to work. She had no choice but to stop making payments which put the home in foreclosure. My brother and I couldnt help save the home as the loan was upside down and we were struggling college students.nbsp;The home has been in foreclosure for a few years. We knew that eventually our time would run out in the home. We started a short sale processes because the realtor assured us that it would buy us some time in the home.nbsp;About 1 month ago our house catches on fire. Thankfully no one was home. The basement where the fire originated is completely destroyed. Every single item has been written off. The 1st and 2nd floor have extensive smoke damage. The house even though it looks decent from the outside has to be rebuilt for the most part. The first floor theyre saying requires a full remodel and the 2nd floor may make due with repainting of the walls after a thorough cleaning.nbsp;At first we thought we had ZERO insurance as the property was far along into the foreclosure process. My brother works for the county and some higher up officials happen to know him. One of which had their home catch fire too. He recommended a Public Adjuster which we have been using. Hes charging us less than 10 and I remember that thread on here regarding claims adjusters so I thought that was far and reasonable.nbsp;Thank goodness that we found out the original policy was retained and the bank made payments on my mothers behalf. We were relieved to say the least! However, we were served with the Sheriffs Sale Date. The letter had about 30 days notice but we received it with less than 3 weeks notice. I had to travel for a week and the situation has devolved since Ive been away.nbsp;Now every party involved is trying to pressure and scare my Mom. My Mom is in bad shape from the stress and I feel terrible that I cant do more to help. My brother and I were still living at home to help us save money. I dont know what else to do!nbsp;The short sale guy is now saying we have 48 hrs now 24hrs to give him some documents for the bank or the bank is pulling out. Which is most likely BS.nbsp;The public adjuster appointed a restoration company to handle the furniture and packing of the house. Said restoration company is also a contractor and wants us to sign papers saying all contracting work will be done by them, all payments related to repairing the home be made to his name, etc. Theyre saying the only way they can talk to the bank and potentially stop this process is by giving them authority to call the bank on our behalf. We can probably find our own contractor but the public adjuster was trying to scare us out of that too.nbsp;My mom called the bank and they said since theres a sheriffs sale pending theres nothing they can do.nbsp;I would think the bank would be interested in postponing this processing ensuring that the insurance company would pay out for repairs. It seems like the bank would lose more money if they had to repair out of pocket? Im very confused and obviously people want to get paid and the advice we receive is catered to helping them get compensated.nbsp;Im overwhelmed please help. I just want to see my Mom happy again. Right now were in temporary housing at a hotel and were afraid well lose the insurance benefits if the property is no longer under her name.  <response>: Its not BS. The bank can end the short sale process anytime they want. Its purely voluntary on their end. I doubt they want to foreclose on a burned down house though. That said, a home headed to foreclosure is a liability that they want off the books. Repairing and then selling is a year long process. Id expect them to not let your mom keep the house through that whole process. They will do whatever gets that house off three balance sheet faster. Especially if the home is not exceptionally expensive.If youre really trying to keep her in whatever temporary situation insurance has arranged, make sure theres no limit youre going to run up against. Do not let anyone not approved by insurance work on the home. Do not pocket any additional money paid by the insurance. Every dime they set up for repairs needs to be documented and used properly. Id expect your mom to be under more than average scrutiny due to the general state of her finances. 