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Posted by Linda F on November 23, 2004 at 14:58:00:
I owe 4 months on our house in Florida (FHA). I knew this but never received any communication from the lender. On Saturday, I received 3 different letters (all different) from the lender regarding the past due amount, possible options and that it was recommended for foreclosure. They all stated to contact them immediately to workout an option. These letters were all dated 11/11/04 and post marked 11/17/04, but I received them on 11/20/04. On that same day we received a letter from an attorney dated 11/19/04. I couldn't talk to anyone over the weekend and I left several message on Monday and no one called me back. Then when I got home Monday night, I had 2 more letters from the lender, both dated 11/17/04 saying the loan was being sent for foreclosure. Again, I knew I was behind and needed to contact the bank, but I wasn't even given a day to call the lender before they sent it to the attorney. What can I do? I finally talked to the lender today and I have to give them all our financial info and they will see if we can work it out. My husbands income has dropped in the last couple of years and with a new baby our costs went up. Unfortunatly, we didn't curtail our spending (eating out, etc). We have devised a budget and will stay on it and can more than afford to make the $1087 payments and catch up the rest over a period of time. Our annual gross is $73K with only 2 credit cards and one car payment. Can we save our house?
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