Foreclosure questions


Posted by David on July 20, 2007 at 17:12:05:

I am in a situation where my house payments are becoming extremely hard to make becasue I just had a child and my wife is no longer working. I also have alot of un-secured debt. I have a few questions:

1. Can I re-negotiate the terms of my loans(I have a first and second from the same mortgage company)?

2. I am almost 100K upside down in my house, both loans have been re-financed but I took very little cash out, what would happen to me if I were to stop making payments and move into a rental? What would the bank do to me? What would I be responsible for? What would be the tax ramifications?

Is there any hope, please help!


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