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Author Topic: on the same vein as the student loan, facing forclosure  (Read 1404 times)

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Offline Peter6836

  • Member
  • Posts: 391
  • Me and my Granddaughter Noa
on the same vein as the student loan, facing forclosure
« on: March 24, 2007, 09:05:12 PM »
Being sick off and on for the last two years I have lost income and dealt with hardships, as well as depression (which does'nt help financial problems). I have been batteling my finances and keeping up with things. I have been late with my mortgage payments. But am now a month behind. Today I recieved papers saying I was up for a sherrifs sale next month. I do not want to lose my house it gives me comfort. I have all kinds of mail on filing chapter 13 bancrupcy. I looked online and found a company that claims this is a bad idea and that they can help amend my problem and arrange payments. There are so many companies out there that claim they can help but I just do not want to continue to deal with this over and over. I work full time, and have had a good job for 20 yrs with the school board as a teacher. I could use any advice as well as encouragement. The stress of all this is not a good thing.

Offline tigger2376

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  • Posts: 462
  • too bad to die youngish!
Re: on the same vein as the student loan, facing forclosure
« Reply #1 on: March 24, 2007, 09:20:22 PM »
In the UK there are loads of companies offering these kind of services, some good, some bad, I've always been told to try to get a personal recommendation. I'm in financial hell myself at moment,so empathise SO much. Is there anyone you know who is an independent financial advisor? Or does your treatment centre/ID place have any contacts? What about your union?
As I'm Uk based, some of this, or indeed all may not be helpful
But I'm thinking of you
A LOT, try and take care of yourself
Here for you, whenever
xxxx
I know i'm going to enjoy the party in the afterlife, but do you all mind that I'm going to be VERY late!!!

Offline Peter6836

  • Member
  • Posts: 391
  • Me and my Granddaughter Noa
Re: on the same vein as the student loan, facing forclosure
« Reply #2 on: March 24, 2007, 09:23:43 PM »
Tigger thanks for the suggestions. I will try all of those on Monday!

Offline thunter34

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Re: on the same vein as the student loan, facing forclosure
« Reply #3 on: March 24, 2007, 09:26:26 PM »
I'm in the financial toilet these days myself, so I can't offer any great financial wizardry.  Wish I could.

Sorry to hear about your troubles. 

You said you could also use some encouragement, so I...um....encourage you.   ;D
AIDS isn't for sissies.

Offline Peter6836

  • Member
  • Posts: 391
  • Me and my Granddaughter Noa
Re: on the same vein as the student loan, facing forclosure
« Reply #4 on: March 24, 2007, 09:29:30 PM »
Thanks Hunter I will take your encouragement and let it nurture me. I believe I can conquer this problem and the good thoughts from others helps.

Offline Andy Velez

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Re: on the same vein as the student loan, facing forclosure
« Reply #5 on: March 24, 2007, 10:41:46 PM »
Peter, what AIDS service organizations are there in your area? Also is there any teachers professional organization that might be of use? Are you a church member or any other organization that might offer support?

Yours is a problem many others living with HIV have faced. An ASO seems a good place to start. Even if they can't resolve it,they should be able to direct you to help that won't cost you additonal bucks.

Good luck and keep us posted.

« Last Edit: March 24, 2007, 10:43:44 PM by Andy Velez »
Andy Velez

Offline Miss Philicia

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Re: on the same vein as the student loan, facing forclosure
« Reply #6 on: March 24, 2007, 10:47:45 PM »
Most ASO's, at least in larger cities, should be able to hook you up for some pro bono legal advice about bankruptcy.  Time is not on your side though according to what you just wrote so I'd start moving quickly to get the info come Monday.
"Iíve slept with enough men to know that Iím not gay"

Offline Buckmark

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Re: on the same vein as the student loan, facing forclosure
« Reply #7 on: March 25, 2007, 10:08:25 PM »
Peter,

I'm really sorry to hear you are facing the foreclosure of your home.  A sheriff's sale of a property which is only 1 month behind in the mortgage seems somewhat draconian, unless you have been 1 month behind for an extended period of time.  When was the last time your were current on your mortgage?

Have you tried calling your lender, explaining your situation, and asking what arrangements they can make?  Many lenders will simply tack on the additional payment to the end of your loan (for the appropriate fee, of course, which they can also tack onto your loan).  Lenders will generally prefer this to a sheriff's sale, which is generally a last resort because the results can be so unpredictable.

The lender's willingness to work with you will depend on how they perceive your future ability to pay the mortgage payments on time.  Which is a significant factor you will want to consider, too, because if you don't believe you can make future mortgage payments on time, you'll just be back in the same boat again.  If this doesn't work out, you could try to refinance the mortgage with another lender.  Again, that's going to depend on you being able to demonstrate to the lender that you can pay regularly.

Since you have been employed by the school board for 20 years, I would guess that most lenders would consider you in a good position to pay, if indeed you believe your current situation to be just a one-time incident (which you must convince them of).  There's no need for you to disclose the specifics of your illness if they ask.  In fact, it is likely illegal.  The Fair Housing Act makes it unlawful for a company to refuse to make a mortgage loan based on race, color, national origin, religion, sex, familial status or handicap (disability).  If they insist on details, have your doctor write a carefully crafted letter describing that you have had some problems, but are improving (which hopefully you are).

Regrettably, bankruptcy won't stop the lender from foreclosing on your home, because you have pledged the home as collateral on the loan from the lender.  But --  bankruptcy might slow the process down enough to get you back on your feet, and get caught up on your payments.  Not sure what chapter of the bankruptcy law could help here.  Your best bet is definitely to get some legal advice from an attorney, and hopefully an ASO or friend or family member can direct you to a professional who can advise you.

Hang in there, and go kick some ass with your lender!

Henry
"Life in Lubbock, Texas, taught me two things:
     One is that God loves you and you're going to burn in hell.
     The other is that sex is the most awful, filthy thing on earth and you should save it for someone you love."
- Butch Hancock, Musician, The Flatlanders

Offline whatcanI tell ya?

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  • Posts: 10
Re: on the same vein as the student loan, facing forclosure
« Reply #8 on: March 26, 2007, 12:16:31 AM »
Hello Peter,

BuckMarkTX is quite right. Most lenders are willing to work with you and they can defer your payment for a fee.  I have had  friends in similar situations as the real estate market takes a wide turn, a lot of houses are in danger of foreclosure and the lenders are changing the rules.

Calling up your mortgage company and nicely asking for an extension or working out something with them, will be the best way to go.

I am not sure what state you are in, but the people I know in Califiornia were able to work something out with the lenders.

Good Luck and I hope this information helps.
Do not ask for a smaller load, rather ask for a stronger back. --unknown.

I can no longer shed tears becos I no longer feel pain. Am I better now or am I the same person?  I do not know. What can I tell ya?

 


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