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Posted by char jones on June 23, 2002 at 02:26:02:
In Reply to: How long before I have to leave my home? posted by In trouble in Washington state on June 20, 2002 at 20:50:47:
: I live in Wa state. My husband and I both lost our jobs and have fallen behind in our mortage payments. I have not paid for May or June. We have 11.375% rate and just can't make the payments any longer.
: They sent a notice saying I have til July 13th to pay everything current or they will begin foreclosure on my house.
: What is going to happen at that point? How long will I have before I have to leave my home?? I have heard everything from 6 weeks to a year.
: Also, can I put the foreclosure expenses on a bankrupcy??
: Help........
HI!
How I wish I could help you!! My husband and I, and our teenage son are living in an apt. near our home..we were evicted in Dec. of 2001, On Sept. 12..a "realtor" came to my home and said "LEAVE"! Well..we had fallen behind on our pymts. months before due to bank errors, and our "equity accelerator " program" going awry as a result. I made double payments for 3 months..was all caught up, but Chase chose to spread the payments over next few months, even though I had to wire the payments at 8 in morning here, they credited only half of one next week, as a reasult, they were showing huge late fees still. I received a letter saying our acct. was forwarded to a firm of trustees in Belevue for foreclosure! I called, horrified, they said they would post property, this never occured, in spite of receiving 9 copies certfied mail. I wrote detailed hardship letter, furnished all financial docs requestwed and sent 3000 dollars..by airborne express. In spite of this..foreclosure continued. I was having daily panic attacks until..we received confirmation and acceptance of our modified loan by chase investors. I sent all and was told foreclosurwe sale of May 11 was postponed. Due to slow of mail and Chase..all was not completed till near end of June..I called and wrote..asking about July and August payments. I was told to continue sending pay to Ohio office till all was recorded. I sent August payment and called for confirm, was tolld not to worry..so..next thing is this "person" telling me our home was foreclosed on August 31, back to FNMA. So..I went to see attorney, couldn't bwelieve this!! He said..too bad, its sold! Not true! So..next..in Oct. we get a summons to show cause, writ of restitution, which I know now means..get out! The realtor is evicting you! I didn'y know this then..as I believed it wqas a summons to show why we should not be evicted. We;ll...Judge Sawyer, Mason County would not listen to me or look at docs I brought, he also denied me an extension to have attorney there. So on Nov. 19, I lost that! I went to attorney again..he said he would work on injunction..11 days later, the realtor came with a "sherriff"". they said get out..we slept 2 nights in motel and found this apt. here, hopingh to be close to our home so they wouldn't be able to alter or sell it, or as we now see..ransacked it of all our heirlooms, etc. we couldn't move. Now, it is "sold" to a couple who are actually part of our eviction!
It gets worse but..I will write u more if u wish..I want to save you!! We saved and saved, had our property for 25 years and literally dug it out of land by hand! So..write me, I will tell u all I know, ok? Aldo..if u are with a major bank, ask immediately to speak to a home counselor at HUD or FNMA. OR..first..speak to the loss mitigation dept. tell them time is of the essense and you wish to do a "workout"" My prayers are with you!!! CHAR
