There is a hardship program through HUD that you may qualify for. And the program helps people who have houses currently in the foreclosure process. They will work on your behalf with your mortgage company to help you get a lower monthly payment you can afford. If you qualify, you will not likely owe what you're currently behind on.
Also when your house goes into foreclosure, from my understanding, is you get served with foreclosure papers. It's part of the foreclosure process. How odd that you weren't notified.
Also I am very sorry you're going through this. I dealt with this same situation with a family member and we helped them complete the loan modification program in September. Feel free to PM me with any questions. It was a ton of work; sending the financial information to the mortgage company. They wanted EVERYTHING. But, in the end, it was worth it for my family member.
I am so incredibly sorry that you and your family are now having to deal with this on top of everything else. Please do let us know if we can do the Go Fund Me--we love you and want to help in any way we can.
Post by trafficgirl on Jul 27, 2015 16:55:13 GMT -5
I thought it was you. This is obviously the last thing you need. I'm so sorry. I have no advice, just big hugs. I hope something previous posters have put forth will be able to help you.
I am so sorry you are going through this. My mom was in foreclosure and through a FHA program was able to get a modification. It took a long time - almost a year. She had to make trial payments and then it was accepted. The bank "forgave" part of her loan as long as she doesn't sell it (I believe the next 10 years??) and her payment went from @$800 to @$450. Her loan did start over for 30 years but she can manage the payments. Rent here in MD for a one bedroom, even in a not great area, would be closer to $850 - $1K. So even with a new mortgage and more interest, it worked for her. I hope something can be worked out. I really think whoever you talked to today was trying to scare the S&$T out of you and try to make you pay up.
The only piece of advice I have is to not take your bank at it's word. Verify everything. The fact that you were quoted a lump sum and was applied to something other than the principle, rings giant alarm bells for me. It may have been a simple error or oversight, but it needs to be explained and then rectified immediately. Get everything in writing. Collect into one place all past communications and any future ones as well. And I agree that you should obtain legal representation asap. Good luck, I'm sorry you have to deal with this on top of everything else.
Post by dianecourt on Jul 27, 2015 17:19:05 GMT -5
I am so sorry you have to deal with this. I hope you are able to straighten things out with the payments you've made without too much hassle. And I'm happy to help how I can if there is a GFM.
I'm so so sorry. This on top of everything else breaks my heart for yall. Fingers crossed and lots of good vibes that the phone call tomorrow goes well.
Post by PeonyParty on Jul 27, 2015 18:11:58 GMT -5
No advice- just HUGE HUGS. We went through something very similar and it's just awful. I hope you can figure something out. If not, please let us know.
Post by paddywagon on Jul 27, 2015 18:20:15 GMT -5
I forgot this earlier and just caught it when re-reading your original post, but your mortgage company cannot refuse a payment on your account. Make note of who you spoke with and the time, etc. because that is a great way for them to get in huge trouble with HUD.
I'm so sorry, you have already been through more than any person should have to endure. I don't have a lot of money but I would happily donate to a GFM. ((Hugs))