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Posted by rosie on October 06, 2004 at 02:23:15:
I am a credit nightmare. I am 5 months behind on my first mortgage and 2 months behind on a second. When I was served with foreclosure notice (the first legal paperwork) it listed a judgement lein which I was unaware was there. It was placed by a auto credit company when a vehicle I had co-signed for and was in the process of bankrupcy when it was entered. Of course the vehicle was listed on the bankrupcy but not the lein. To make matters worse my ex-husband is on the loan and his name should of been taken off 3 years ago but because of financial matters I couldn't refinance. I do not feel bad about this because he is the reason I am in this mess. He is a dead beat father for our 3 children, doesn't pay for any medical or school expenses, and is currently $8,000 behind in child support.
Finally to my questions, what can I expect? When will I have to move? This is a FHA loan, will they sue me? Will my 2nd mortgage company or the auto credit company sue me? Can my ex sue me although he has broke numerous agreements in our divorce papers?
I can not sell my house because I am having problems with my septic and well and because I live hand to mouth I have no extra money to fix it up. I have an excellent career which pays very well with great benefits but I pay a large amount to child care costs. The sad part is I am not worried about my credit, it has been horrible for years due to bad money choices although I have learned my MANY lessons. My boyfriend and my family have excellent credit and have no idea what I am going through so I need help.
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