is it true

[lostinva123]

What is the name of your state (only U.S. law)? Virginia.
my mother in law took a second loan on the house. we don't know how, she did not have enough income to qualify for the second loan. She died two years into the loan and the loan company states that there was no life insurance on the loan so they instructed my wife and her brother to pay the monthly fee as if it were coming from the mother. the did for two years and then something(me] told them that it did not smell right. my wife stopped making the payments and now the loan company wants my wife's personal information because they state that she and her brother are responsible for the rest of the loan. is this true? My mother in law lived in Puerto Rico and we are residents of Northern Virginia. Also my wife had nothing to do with the loan in any way shape or knowledge of the loan. any help would be greatly appreciated.
thank you all.

[nextwife]

Who is living in the house? Was the estate probated? The estate owes the mortgage balance.

If the mortgages are not paid the house can be foreclosed. Is the lender saying they should cover the payments because they are living there and don't wish to lose the home?

[lostinva123]

No one but my wifes mother lived in the house. my wife has been in the united states since she was 18 yrs old. her mother was the sole resident in her home in puerto rico. which is why I believe there is some kind of scam going on.

[latigo]

Not to worry.

First, even though it was undoubtedly foolish to do so, the voluntary payments by your wife and brother-in-law did not obligate them to the mortgage holder.

Secondly, because of the statutes of fraud the only way they could become legally accountable to any creditor of her estate is by agreeing in writing to assume the obligation under circumstances whereby the agreement is both signed by each and is supported by adequate consideration.

These people know that such an agreement does not exist and are only bluffing, so ignore them.

[George1776]

Who owns the house now?? Sell it. Someone has to own it, right?