Tangled Web asked:


Many years ago when my husband divorced his ex-wife, he was self-empoyed and missed several payments. Four years ago, he filed necessary documentation to have the arrears included with his monthly payments, increasing his payments monthly to include an additional $100. After four years, the Texas Attorney General’s office is showing it outstanding and consistently late. We are trying to purchase our first home but are having trouble getting the financing as his FICO score is reflecting this issue. What can we do to get around this issue and get approved? We have documentation that shows he is current on child support and current on the agreement to pay arrears.

quillie asked:


my remortgage was completed on the 30/11/07 and they wanted first payment on the 1/12/07 (yep the day after) we were not prepared for that, so that put us a month in arrears, does this sound right, can anyone advise.

Kashmir_Zepp asked:


I refinanced my primary residence in 2007 (only the principle / no cash back / no debt consolidation, etc.). My 1098 from the original note holder did not include all the mortgage interest paid – only that through the payoff date. The 1098 did not include the accrued interest since the payoff date was prepaid and the actual payoff was made. This is result of mortgage interest being paid in arrears. My account statement with the original note holder identifies this activity.

I paid all the interest, but for some reason it was not included in the 1098. The lender has not been helpful. The new note holder (or seller) did not pay any interest, so that is not applicable.

Any assistance is greatly appreciated.

justellemJimsaidhello asked:


First, he gets put into arrears for his mortgage, totalling over 640,000 dollars. Now, he can’t pay his divorce lawyer close to 250,000 dollars! That’s a sure sign of being broke. How will the man eat? And I mean that!

staceyann asked:


a home owner passed away and there is a co-signer on the property. I would like to know if the estate can take the co-signer to court if the co-signer does not want to sell the property because there were outstanding arrears on the mortgage that the co-signer had paid for. How do you buy out the estate if this is possible?

MrMan333 asked:


I’ve been in a chapter 13 plan for close to 3 years in my 36 month plan. My arrears to my mortgage company are a top priority to receive payments from me but the trustee has made a huge mistake and my arrears haven’t seen a dime in three years but has now corrected the problem. (the correction: my arrears will start seeing payments on a regular basis for the remainder of my extended 2 years.) But, my attorney wants my plan to be extended for two more years because of the mistake. Do I have to just lay down and except this because of the trustees mistake or is there anything leagally I can do as far as having my arrears caught up some kind of way because of the three years of non-payment towards them by my trustees?

Karen K asked:


Our house was owned by my mother in law who died in December 2004. On some idiot advice from a friend, my husband did not pay on the mortgage it went seriously into arrears, and finally went into foreclosure, which he completely ignored. It was a default judgment. (I knew nothing about this because the papers went to my late mother in laws house, and I did not see them, nor did I see the notice in the papers.) I found out about it when we got a notice saying our house was up for sale at sheriff’s auction. My husband declared emergency bankruptcy and got the sale dropped, and after some negotiations he got the house moved into Loss and Mitigation. He was making payments under this agreement, and they were supposed to renegotiate another payment plan at the end of this year.

My husband died unexpectedly in March. I notified the company that he died, and sent them a death certificate. I spoke to a representative, who told me to keep making the payments until they notified me about setting up a new agreement. I have made the payments religiously. I made the May payment 3 days before the due date.

Wednesday, I got a letter from the company (EMC) stating that they had not received my payment so the agreement was off, and I either had to pay off the whole loan immediately, or they would put the house up for sale at the earliest time possible.

In shock, I called the company. I had all the receipts from the times I sent them the money. I had to send it Western Union, and we have file with all of them inside. It’s an unbroken chain of slips going back to the first payment my husband made.

The woman who took my call said that the house had gone back under foreclosure, and to keep that from happening, she would “Put me on the Obama plan.” She admitted to me that my payments had all been received and were all there. She had absolutely no answer to my question as to how I could have broken my agreement if all the payments had been made on time. She said once or twice, “Oh, you must have not made all the payments”, but a minute later she admitted that all the payments were in fact showing up on time. She kept saying over and over again, “Don’t worry, I’ll put you on the Obama plan”. It was almost like a mantra. She told me that in order to keep my house, I had to go on the Obama plan, and so I told her to put me on it, since I was still in shock. So she did. My payments will be 40 dollars more than what I was paying, which isn’t bad, but…did I have any rights since I DID make all my payments, should I have argued with her about it, was I right to take the new arrangement, and WHAT is “The Obama plan”? Any information would be so appreciated.
Several people I spoke to seemed to think the company might be trying to get everyone under this Obama Plan, since they admitted that I had made all my payments, but would do nothing at take the house out of foreclosure again…I had to go on the plan or they wouldn’t negotiate with me. But I’m afraid that if I fight this, they might refuse to deal with me and sell the house at sheriff’s auction.

vicky asked:


ok got this house about 4 yrs ago my marraige broke up husband moves out and refuses to make any repayments on the house .repayments are 750 euro a month i am on one parent family payments and can only afford 300 and struggling i have 2 daughters also i tried to get his name off the house but cant now he says he will move into house and take over all arrears and mortgage if i leave, what do you think should i go or try stay

FUSIONMASTER asked:


I am trying to save my primary residence from foreclosure. Or what other options do I have if I am 4 months in arrears with my mortgage company? $2,600 x 4 =$10,400. My credit is shot.

militarywife asked:


can you still sell house when your loan is being redone by mortgage company to add all the months of non payment to the end of the loan? how will that affect me? will i lose money? is there a way to break even in this market today?