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Im talking about the attorney for the lender. I have attempted to hire attorneys for myself but none have been remotely optimistic or encouraging. The general reaction is either disinterest in taking on a credit union or distrust that I know what im saying. And that's followed up by how...
Very true. I was extremely blind and immature. He was a financial guru who worshipped his money and believed his credit score was his higher power. I never once thought he'd let a foreclosure happen.
Me either but I have racked up a huge amount of attorney fees from the firm handling the lenders foreclosure cases. He being the only communication source I had charged me for every email or text. Forced placed insurance that was a secret to me wasn't cheap. I had insurance but nobody cared...
I paid the property taxes even the delinquent years worth he left in my lap. The lender paid them and made me pay them back which raised my payment by a hundred bucks for two years.
No he certainly wasn't. Actually he left me for a younger woman and bought a motorcycle six months after sticking me with the debt. He was a successful finance and insurance guy for a car dealership. He knew a few things
I haven't yet because the ex husband has been presenting himself as a victim as well and giving me access to tiny bits of evidence I didn't have before. I honestly have a bigger focus on the lender much to his relief. He has been stuck for the judgement the same as I have and will likely file...
Bankruptcy has always been an option that I never wanted because I didn't need it until this happened. Refinance or loan modification or selling the house was NOT an option during this nightmare.. if I said bankruptcy I misspoke.
Yes I have spoken to an attorney. It's probably the only relief in my future. I know I can't set aside a judgement and have no desire to reverse anything that's done. However I want answers to why this happened and I want to exercise my rights if any for the detriment I suffered because I didn't...
That's odd I realize but it wasn't worth anything close to the amount owed. Im surprised it brought 17. It sat empty for a while and a garage had to be torn down. Ex husband rented it to tenants between 2010 and 2013 when he ghosted it
The lender has held me in a guarantor obligation instead if co borrower but never disclosed the rights of either. In addition I did not qualify for a guarantor and certainly would have not bypassed my wife co borrower status to volunteer to a debt without ownership. The lender and or the ex...
The house was sold at sheriff sale for 17,000 after foreclosure last year. I wasted plenty of time and money to keep that from happening before the lender dropped the bombshell on me. I cut my losses at that point and a judgement for 121,000 is the result. Ruined a decade of my life so far and...
Had I known I would have taken what action I could to defend myself from foreclosure and move forward with life in 2013 instead of spinning my wheels covering the payments for his house. That and the lender deceived me by telling me I had to do things that a co borrower does like insurance taxes...
My concern is that I've been stuck in the hook for a judgement by a foreclosure I could not have ever refinanced because I didn't own it. I've been suckered
That's a big lightbulb ! I hadn't thought about that but it is when my ex husband defaulted so it makes sense that as you said my status and responsibility became focused. But are you saying that guarantors don't normally have the payments history recorded like a co borrower? And isn't it true...
Thank you for the clarification. I have copies and I have seen the recorded mortgage and deed kept in the county office. I also have seen the copies my ex husband has from closing of the loan application ,security instrument promissory note, early disclosure statements,and letters from the loan...
In my mind I believed the questions were of different categories. But im new to this site. Would the payment history be reported the same if I were a co signor? If for example I was a non related non occupant non titled friend that signed the note, verses a spouse as a co borrower, would any...
My ex husband has the copies and all documents from closing the loan. We divorced 6 months after and he kept everything. Yes I say believed because we applied for and anticipated and understood to be a mortgage in both of our names. I had no reason to believe anything had changed after signing...
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