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Posted by Kathy on April 25, 2002 at 00:18:40:
Please help. This is very complicated. My Dad bought this house in January 2000. My husband and I lived with him and he passed away in June 2000. My husband and I continued to pay the mortgage until September 2001. We never notified the lender that my Dad had passed away because our credit is terrible and I was afraid they would not let us assume the mortgage. I was laid off from my job in Sept. 2001 after 20 years. My husband then lost his job in November 2001. He is presently working. I am receiving unemployment, but, have been looking. We were 3 months behind in our mortgage and now into the fourth. The mortgage company found out my Dad was deceased. I had to fax them his death certificate and power of attorney which I did. I kept in contact with the mortgage company and it is very frustrating. Every time I spoke to someone and had to call them back, I was told the person no longer worked there, the extension didn't exist, the telephone number was changed. We were served foreclosure papers on March 29, 2002. I was told they were trying to work out a forbearance agreement, but, it is so frustrating. They just keep giving me the run around and have never called me back. I spend hours every day trying to get them on the phone. The house is still in my Dad's name and so is he deed. Should I file for bankruptcy before they foreclose if I can't reach them regarding forbearance agreement? Can I and should I somehow get the deed changed. There is some equity in the house which my parents wanted me to have and I would hate to lose it. Please give me any advice you can. I live in Queens, NY. Thanks.
