|
REPORT COPYRIGHT VIOLATION IN REPLY
|
|
Message Subject
|
How do I get mortgage assistance? I'm in FL.
|
|
Poster Handle
|
Remedial_Rebel |
|
Post Content
|
Having been through OPs situation in 2009-2011, I would reccomend the following: 1st once the foreclosure is filed, file bankruptcy to slow everything down with the banks. Just because you file doesn't mean you have to go through with it, but it will give you at least a 6 month delay. When you are served the foreclosure, make sure you file a response to the court mailed certified/return receipt and a copy to plaintiffs law firm. Also look for lawyers associations that help with foreclosures case pro-bono. When a bank sees a contested foreclosure and a bankruptcy filing, they usually are much more willing to make a deal. 2nd, talk with Florida Department of Children and Families. They help with food and electric bills. [ link to www.myflorida.com] These are hard times, but hopefully you will get the time to recover and find a job. The better option if the loan is owned by Freddie or Fannie would be the 12 month deferment. But "if" not a FHA mortgage, filing a court response/contesting the foreclosure and bankruptcy are options that will help regardless of the type of loan. Bankruptcy is an across the board option that includes credit cards or any other type of loan like a car loan too. Again, filing bankruptcy does not mean going through with, but it does slow things down and give OP time to recover. In the situation OP's in, go with what works, use all available.
|
|
|
Please verify you're human:
|
|
|
Reason for copyright violation:
|
