I want to keep my house so badly, but I don't know if I can--what should I do? long question?

Question

I have lived in my condo for 10 years and love it to death. I went out on State Disability (not Social Security) for mental stress and I'm unemployed. I transition now to Unemployment. Unemployment may delay my benefits due to a legal matter, but probably only for a month. My house goes into foreclosure in the middle of April. I can only get temp jobs because of my track record. Almost all of them are temp to perm jobs. It has been slow lately in the field I'm in. I'm in the process of going bankrupt, also. I'm three months behind in my mortgage and can bring it up to date, using my aunt's money of $4,500. She will give me another $4,500 for the next three months of mortgage. If I don't get a job by then, I'll have to dip into my small savings. She'll give me $9,000, period. If I don't get a job at all, I won't have enough money to even live on in my condo while it goes into foreclosure the second time. Unemployment pays that low. My dad will let me live w/him if my house goes into foreclosure. I'm underwater in my mortgage, FYI. I can do a short sale. What mainly stops me from moving in with my dad is moving. I have so much stuff that I can't imagine moving! I fear it more than anything. Thanks.

Answer 1

You should remain in touch with the bank. Continue talking to them, answer their calls. They will work with you if you will show them how badly you want to catch up the payments and keep your house.



Even if you cannot repay, you still should go through a legal process. The foreclosure process will probably take from 6 months to 1 year. Don't give up and use this time to earn and save as much money as you can. You have time until the auction and you can live in your house until that date.



You can still keep your credit report clean. Put the house up for sale. If you can sell it for the amount you owe, you will be ok. Ask the bank if they agree to a short sale.



Anyway, it is better to get a good lawyer. I've heard good reviews about this national attorney firm (All US): 1-877-918-7067 They will literally attend court with you going through foreclosure or even stop the foreclosure. Call them. Good luck!

Answer 2

There are a number of reasons at least to consult with an attorney when attempting to stop a bank from continuing with foreclosure.



The first reason the banks will have an army of attorneys pursuing the lawsuit or trustee sale. Many times, these bank-hired lawyers will not take calls from you the borrower, but would be willing to communicate with another attorney that is representing you. They speak the same language and know that they can make the process very time-consuming and difficult for each other.



Second, if you are attempting to save your home by fighting a lawsuit in court, it can pay to have an attorney look over the legal documents to search for mistakes. Even if you do not retain the attorney to represent you, you may benefit by having a foreclosure specialist lawyer familiar with the court rules examine the paperwork and process to ensure that is being done correctly.More than one homeowner has had their case thrown out of court due to failing to follow the rules of procedure.



Third reason to consider hiring an attorney is simply insurance against a corrupted system, especially a corrupted judge. In cases where debtors represent themselves, the judge and bank's attorneys may ignore you the home owner while continuing the foreclosure process despite any claims that may be raised against it. If a lawyer on your side is present to object to this corruption, it may be far less likely to occur.



Fourth reason hiring a good foreclosure lawyer is that it can greatly benefit you as a homeowner as it can drag out the foreclosure process over several additional months. This can help keep you in your home saving even more money while the lawsuit is being worked out or another solution is negotiated.



While it is very possible to negotiate a good modification on one's own, hiring a lawyer just in case can also make a huge difference.You often end up with a temporary modification when you work on your own, but can get a permanent plan by retaining a lawyer to negotiate with the lender for you.



For the above reasons I did call a foreclosure specialist lawyer who saved my home.He was able to stop the foreclosure process immediately and avoid permanent damaging effects of a foreclosure on my credit without any obligation as you can call for a free consultation to assess your situation before it is too late to save your home from ugly predatory behavior of the banks



Don't delay and call now to save your home and credit rating before it is too late



You can Call anonymously FREE Confidential Live professional Foreclosure Specialist Help Line & save your Home before it is too late 1-888-880-6716 to get the help you need today

Hours of operation Mon-Fri 9:00 AM to 9:00 PM EST Only (to connect fastest press 1 once on the call)





You got nothing to lose when calling and everything to Save your Home from Foreclosure but calling (which I should of done a lot sooner) is the first most important step,if you are serious.



Friend, I wish you the best of luck in your journey to Save your Home from Foreclosure which as every body knows is very stressful and won't be easy to get done but if I can do it with the right help then anybody can.

Answer 3

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