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01-17-2006, 06:03 AM
| | Junior Member | | Join Date: Jan 2006
Posts: 17
| | | Garnish Wages or Lein on Current Home?
South Carolina...
Hello. I own a mobile home and have been trying to sell it for the past 2 years. I have been trying to work with my lender and keeping them updated on the progress of the sale of the home. At this point, I am now 2 months behind on paying the mortgage payment and they want to repo the home. I am at the end of my rope and told them to just come and take it back. They threatened to garnish my husbands wages in order to pay for the home. Now, can they do that legally or can they just put a lein on the second home, my primary home, instead? Please let me know. Thank you so much. |
01-17-2006, 06:59 AM
| | Senior Member | | Join Date: Dec 2005
Posts: 20,624
| | Quote: |
Originally Posted by CMills93 South Carolina...
Hello. I own a mobile home and have been trying to sell it for the past 2 years. I have been trying to work with my lender and keeping them updated on the progress of the sale of the home. At this point, I am now 2 months behind on paying the mortgage payment and they want to repo the home. I am at the end of my rope and told them to just come and take it back. They threatened to garnish my husbands wages in order to pay for the home. Now, can they do that legally or can they just put a lein on the second home, my primary home, instead? Please let me know. Thank you so much. | More information is needed -- is your husband on title or the loan. Was the mobile home bought during or before the marriage? Do you work? Do you two have a joint bank account? |
01-17-2006, 10:13 AM
| | Junior Member | | Join Date: Jan 2006
Posts: 17
| | Quote: |
Originally Posted by Ohiogal More information is needed -- is your husband on title or the loan. Was the mobile home bought during or before the marriage? Do you work? Do you two have a joint bank account? |
Yes my husband is on the loan. He bought the house prior to the marriage. I do not work, just my husband. And we do have a joint bank account. |
01-17-2006, 10:17 AM
| | Senior Member | | Join Date: May 2000 Location: Catatonic State
Posts: 71,213
| | Quote: |
Originally Posted by CMills93 South Carolina...
Hello. I own a mobile home and have been trying to sell it for the past 2 years. I have been trying to work with my lender and keeping them updated on the progress of the sale of the home. At this point, I am now 2 months behind on paying the mortgage payment and they want to repo the home. I am at the end of my rope and told them to just come and take it back. They threatened to garnish my husbands wages in order to pay for the home. Now, can they do that legally or can they just put a lein on the second home, my primary home, instead? Please let me know. Thank you so much. |
**A: yes they can do all that. |
01-17-2006, 10:21 AM
| | Junior Member | | Join Date: Jan 2006
Posts: 17
| | Quote: |
Originally Posted by HomeGuru **A: yes they can do all that. |
Do I have a choice on whether or not to have his wages garnished or place a lein on my current home? Or do they do whatever they want to? |
01-17-2006, 10:24 AM
| | Senior Member | | Join Date: May 2000 Location: Catatonic State
Posts: 71,213
| | Quote: |
Originally Posted by CMills93 Do I have a choice on whether or not to have his wages garnished or place a lein on my current home? Or do they do whatever they want to? |
**A: you do not get to pick and choose. It is solely up to the creditor what steps they employ to collect. And secured mortgage creditors have more power. |
01-17-2006, 10:27 AM
| | Junior Member | | Join Date: Jan 2006
Posts: 17
| | Quote: |
Originally Posted by HomeGuru **A: you do not get to pick and choose. It is solely up to the creditor what steps they employ to collect. And secured mortgage creditors have more power. |
Ok. thank you for your time and answers.  |
01-17-2006, 10:41 AM
| | Senior Member | | Join Date: May 2000 Location: Catatonic State
Posts: 71,213
| | | good luck to you. |
01-17-2006, 08:53 PM
| | Senior Member | | Join Date: Jan 2003
Posts: 17,303
| | Quote: |
Originally Posted by CMills93 I do not work, just my husband. | If you cannot meet your financial commitments on his income alone, why aren't you working?
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Last edited by nextwife; 01-17-2006 at 08:56 PM.
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01-19-2006, 08:44 AM
| | Junior Member | | Join Date: Jan 2006
Posts: 17
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Originally Posted by nextwife If you cannot meet your financial commitments on his income alone, why aren't you working? |
Well, first of all, I have a very young child at home that I care for. It makes more sense for me to stay home with her instead of using my entire check to pay for daycare. We can afford everything accept for the mobile home in which will not sell because of the age of the home. Thank you for your comment. | |
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