My fathers house

[fluxx]

What is the name of your state (only U.S. law)?
Texas

First of all, let me introduce myself. My name is Marty and I live in Michigan. I moved here in 2000 from Texas and have lived here since.

My father lived in Texas. He passed away I believe it was late 2003. I can't remember exactly anymore. I had thought the house he had owned had been paid off. But apparently, it wasn't.

The bank is trying to sue me for the debt he owed on the house. But what I don't understand is why they would sue me? I had nothing to do with it, nothing was left in the will to me, or at least I wasn't told of anything.

What should I do? I'm 23, I have no assets, and definitely couldn't afford an attorney. I don't even care if they take the house. For all I know it's caved in on itself due to lack of maintenance (I'm not saying that's what happen, I've just never seen it in over 5 years).

What advice could you give? Would I have to go to court in Texas?

[FarmerJ]

Take the time to talk to a attorney using the links above , EVEN if the atty tells you to go to court and ask the lender to show the court where you had signed on the mortgage application & all paperwork as a co borrower then thats what you should do.

[fluxx]

Originally Posted by FarmerJ

Take the time to talk to a attorney using the links above , EVEN if the atty tells you to go to court and ask the lender to show the court where you had signed on the mortgage application & all paperwork as a co borrower then thats what you should do.

Okay, the only problem I see with that is I never signed the mortgage....

[FlyingRon]

Are they foreclosing? That's typically what they do. You'll get named in the foreclosure suit if you are now the owner of the property (they're required to do that). The only downside is that you lose the property. You are not responsible for the debt.

[fluxx]

Ok. The debt thing is a relief. As far as the house goes, I don't care what happens to it. They can have it. But still, do I have to show up to that court and tell them I think they can have it (There are about 6 more family members involved, supposed "heirs")?

[Texas Pooh]

Did your father have a will?

I'm guessing that he didn't, and that the bank is simply including anyone who may have inherited the house, or an interest in it, intestate. They have to do that as part of the foreclosure process.