Post by lovelovelove on Jul 27, 2015 18:30:02 GMT -5
I'm sorry I've only worked on commercial mortgage, not residential, so take this with a grain of salt. Foreclosure was the very, very last thing a lender wanted to do; theoretically they are in the business of money not flipping properties. It costs a lot more money for them to proceed with foreclosure and resale than modify some documents and/or payment terms, so in my experience they try to avoid it. All that said to give an extra boost of this shouldn't be the final word and I would think they'll want to work with you.
If you don't have them, make sure you ask for copies of your loan documents, specifically the note, loan agreement, and any accompanying escrow docs/instructions. In my experience, tax and insurance can be collected first but there seems to be a descrepency in what you're paying and what they say you owe. If there's been a change in what they need to collect to satisfy those you should have been notified.
Wishing you all the best. Money stuff is truly frightening, but I'm sure you are strong and this will get sorted out.
((hugs)) I'm so sorry you are going through this, I think you've received some solid advice from a number of posters. Just remember, this does not define you. You are strong. You are caring. You are a phenomenal mother. You will get through this and you can add me to the list of people who would be willing to assist.
Post by scottyderp on Jul 27, 2015 19:30:44 GMT -5
There are some good resources in this post. If foreclosure occurs, it does not reflect on your character or goodness as a human being. Keep moving forward.
Post by Mrs.Rad888 on Jul 27, 2015 19:36:14 GMT -5
I just wanted to send hugs and wish a side of Syphilis to go with the face herpes. You guys have been through so much, it's absolute bullshit that there's another thing you have to worry about.
And like Sparky, I'd totally pay premium prices for a special Etsy order if you don't want to do a GFM.
Please consider accepting help from those who love and care about you.
I posted this weekend about ideas to cheer up a patient, and you know who offered to help? She did. It shows what a kind heart she has that even in such a challenging time, she offers to help.
I know we know who "she" is, but i didn't want to leave it out there.
apalettepassion.wordpress.com/ WHO IS BONQUIQUI!?!?!?!??!
"I was thinking about getting off on demand, but it sounds like I should be glad that I didn't"
Post by themoneytree on Jul 27, 2015 20:02:40 GMT -5
First I am so sorry. This kind of fuckery is the number one thing that terrifies me about living in this country. It is so wrong. So, so wrong and so, so not your fault. Please don't feel embarrassed. You've had no choice but to do what you've done.
Second how do things stand with your home financially otherwise. If you sold would you make money or is it under water? if the home is far under water my decisions might be different in this situation.
Thirdly, set up the Gofundme. This is the kind of situation it is designed for. Just do it.
I can't read 6 pages right now, but I just want to say I am so sorry. I live in a state that it takes an average of 450 days to foreclose. We had an Ahole neighbor who was running a nightclub and selling drugs and it was a long drawn out process. It's still not foreclosed over a year after no payments. I hope the mortgage company's threats are just that... Threats. My sister went bankrupt due to medical bills. Shouldn't happen in this world. Hugs.
People like you shouldn't be under the bus like this. It's the good ones that generally get screwed. You've had a LOT going on and I know that there are a lot of ladies who would help you out in a heartbeat. You're always one of the first to help others. Please do yourself and your family this favor and let us help you in return.
And you're a good AE. It took the second hint for me to be sure. I was still tossing a couple around with the first clue. I'm clueless.
Post by notoriousmeg on Jul 27, 2015 21:16:57 GMT -5
I'm so sorry you are dealing with this on top of everything else. People have offered good advice above, and I'd be happy to help if there's a GFM. You deserve a break.
I bet many of us would donate even just $20 and you would be out of this situation quickly if needed.
So many hugs now that I know who you are. You're a good AE. I didn't get it until you posted a pic.
Yup. I don't have a lot but $20 I can scrounge up. I hope you take people up on the offer. You deserve a cushion even if you get the mortgage fuckery straightened out.
Post by killercupcake on Jul 27, 2015 21:52:44 GMT -5
I'm sorry you're dealing with this.
I don't know if they can help in situations like this, but contact the United Way. They had a program that helped my uncle pay his bills when he was waiting for his transplant. He was doing dialysis in home and his utility bills skyrocketed and they helped out a lot.
Ugh. Dude. I'm so sorry. I don't have any better advice than everyone else has given. I really hope you guys are able to work things out. I'm so frustrated and sad for you.