Foreclosure Life
What is the best way to keep from foreclosure on my home?
My spouse died from cancer and unfortunately I will receive no life insurance or pension. It looks impossible to keep up with my payments. My sweet sister has brought my payments up to date, but I don’t see how I can keep them up and she definitely can’t do any more, nor would I want her to. I feel overwhelmed with grief and then have this issue on top of everything. I need advice and obviously, can not afford it. Please help.
I’m truly sorry for your loss and the grief you are going through. I’m also sorry that you are going through the pain of financial problems. There isn’t anything I can say to make your loss feel any better.
However, you do have some possible options regarding your home. If you have a job there is hope of keeping your home and I mean that whole heartedly. If you are working you could apply for a loan modification. The key elements are that you are working and you have a hardship. The loss of your spouse is a qualifying hardship. Contact, making homes affordable.com or hope for homeowners. They are government run entities that will work with you and your lender in modifying your current loan. They were put in place by the Obama administration for people just like you. You DO NOT PAY ANYONE to modify your loan. They will do it for free. Do not accept help from anyone who is going to charge you. Hear me??? 
The modification in most circumstances reduces your interest rate.
If you do not want to stay in the home for lack of a job or any other reason you can’t afford it then you can short sale the home. Place it for sale with a reputable agent. In this case you will sell your home and if you cannot sell it for what is owed on the property then the bank takes a loss. This is a good way to avoid foreclosure. I don’t know how far behind you are so I would need more info on this. If it is too late to short sale your property and you are facing foreclosure then contact your bank and tell them you are interested in the “CASH FOR KEYS” program. The bank will pay you anywhere from $500 to $5000 for you to hand the keys over on a specified date. The money is meant to help you move. Feel free to contact me if you need further information.
I hope this helps a little bit. You do have options. Take Care and good luck.
Credit Repair – Life After a Short Sale / Foreclosure
|
|
Riches to Rags $1.99 … |
|
|
Brooklyn Lobster $0.49 Based on a true Brooklynstory.ProductInformationIn Brooklyn Lobster Frank and Maureen Girogio’s (Danny Aiello and JaneCurtin) once orderly lives have been thrown into chaos since the bankthat loaned Frank money for a restaurant addition to his lobsterbusiness has folded. With the threat of a public auctionlooming the very proud and stubborn Frank his family and friendsattempt to save the Bro… |
|
|
It’s a Very Merry Muppet Christmas Movie $7.07 Kermit takes center stage in this hilarious, parody-laden celebration of Muppetry, pulsating with original music, a star-studded cast of human cameos, and a heartwarming story reminiscent of It’s a Wonderful Life. Joan Cusack plays the deliciously villainous Miss Bitterman, a ruthless banker who succeeds in foreclosing on the Muppet Theatre only days before Kermit’s Christmas extravaganza. As Kerm… |
|
|
Angels and Manners $2.99 Angels & Manners: Working-class single mother Carrie Angel is raising her two teenaged sons in Section 8 housing while she finishes her carpentry certification. It’s not the ideal place to raise her boys but it is all she can afford since her divorce. Divorce also forces upscale Jen Manners and her resentful daughter Emily from their comfortable, suburban lifestyle into subsidized housing. Jen’s d… |
|
|
Stealing Homes: How to Survive a Foreclosure and Move on with Your Life $3.99 The bank has foreclosed on your home or you’ve had to sell it as a short sale. The American Dream has turned into a nightmare and you don’t know what to do. That’s where Candice Reed and Heather Anderson come to the rescue. They are two journalists who both lost their homes- but they managed to move on and have happy lives without a mortgage. This book tells you what it takes to pack up your anger… |
|
|
Wild Horses of Absaroka $6.00 When Matt Reed returns from Vietnam, eager to get back to the Wyoming family ranch and forget the horrors of war, he finds the ranch stripped of livestock and his father a mere shadow of his former self. Matt’s mother is gone, a victim of cancer, and his father has mortgaged the ranch in his effort to save her. The new bank president, Paul Pringle is a former high school nemesis and the man who ma… |
