What is the name of your state? Mississippi
We took the eye of Kartine while still at a CAT 4. Structural damage to the house (moved off its pier foundation, main beams for roof split, porch lost, fire damage from the candle (my fault), craks all over the cielings now from the foundation issue, etc).
I have a 5K deductable on my insurance (my own stupidity)
On August 30, as soon as my cell was working I contacted my mortgage co (lets call them Amerihell). I was informed due to the storm I would be given a 30 day deferrment. Due to my pay schedual I pay my payments on the last day of each month (Meaning Aug 1 payment is paid on August 31).
During the conversation I spoke with the woman about the way I pay and ask her if she could cancell the auto draft set for the 30th. She stated on her end it was to late but I could do a stop payment through my bank.
I did.
On September 3rd Amerihell sent me a nasty Notice of intent to forclose letter because of the stop payment. They also sent me a nice letter about the deferment (with a debt collector miranda at the bottom). I contacted them and was informed that because I took the deferrment (called something else begining with an M) I will have to repay the missing payment over the next 2 months (meaning my payments will now be 1200.00. 800.00 plus 1/2).
Had I known this was going to happen I would have never taken the deferment or stopped the auto draft.
My husband is self employed and I work a crappy paying part time job. The storm has shut my company down... no company, no money. This being our busy season I have already lost most of what we will make to live off of next year. With this in mind as well as both of us also being full time students (currently displaced but thats being worked on) its not hard to see that I cannot afford to make these beefed up payments. I however do not want to go into forclosure.
Any advise would be appriciated!
Thank you,
Loki
We took the eye of Kartine while still at a CAT 4. Structural damage to the house (moved off its pier foundation, main beams for roof split, porch lost, fire damage from the candle (my fault), craks all over the cielings now from the foundation issue, etc).
I have a 5K deductable on my insurance (my own stupidity)
On August 30, as soon as my cell was working I contacted my mortgage co (lets call them Amerihell). I was informed due to the storm I would be given a 30 day deferrment. Due to my pay schedual I pay my payments on the last day of each month (Meaning Aug 1 payment is paid on August 31).
During the conversation I spoke with the woman about the way I pay and ask her if she could cancell the auto draft set for the 30th. She stated on her end it was to late but I could do a stop payment through my bank.
I did.
On September 3rd Amerihell sent me a nasty Notice of intent to forclose letter because of the stop payment. They also sent me a nice letter about the deferment (with a debt collector miranda at the bottom). I contacted them and was informed that because I took the deferrment (called something else begining with an M) I will have to repay the missing payment over the next 2 months (meaning my payments will now be 1200.00. 800.00 plus 1/2).
Had I known this was going to happen I would have never taken the deferment or stopped the auto draft.
My husband is self employed and I work a crappy paying part time job. The storm has shut my company down... no company, no money. This being our busy season I have already lost most of what we will make to live off of next year. With this in mind as well as both of us also being full time students (currently displaced but thats being worked on) its not hard to see that I cannot afford to make these beefed up payments. I however do not want to go into forclosure.
Any advise would be appriciated!
Thank you,
Loki
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