moria parks
Junior Member
What is the name of your state? kentucky
MY HOME WAS FORCLOSED ON 3 YRS AGO THIS JULY. I LIVED IN THE HOUSE FOR OVER 4 YRS & PAID ON IT MONTHLY. I ORIGINALLY BORROWED $111000. THE HOUSE WAS SOLD AT THE PUPLIC AUCTION FOR $113OOO. AFTER 18 MONTHS, I BEGAN LOOKING INTO MY CREDIT REPORT. I FOUND AN UNPAID MORGAGE OF $12000 ON MY CREDIT REPORT. I THEN CALLED THE MORGAGE COMPANY TO INQUIRE ABOUT THIS. THEY HADN'T CONTACTED ME BECAUSE THEY THOUGHT MY HOUSE WAS FILED IN A BANKRUPCTY I DID 1 YR PRIOR. FROM THAT POINT ON THEY WANTED TO COLLECT THE DEBT. THEY KEPT TELLING ME IT WAS FOR ATTORNEY FEES. THE BALANCE WITHIN A FEW MONTHS HAD INCREASED TO $ 28000. I MADE SMALL MONTHLY PAYMENTS ON THIS FOR ABOUT 6 MONTHS. THE LAST PAYMENT I TRIED TO MAKE THEY WOULD NOT ACCEPT SAYING THAT IT NEEDED TO BE SENT TO LOCAL COUNSEL. I TOOK A 401K POLICY THAT I HAD & TRIED TO OFFER THEM THAT, WHICH WAS ONLY ABOUT $4000. THEY WOULD NOT ACCEPT MY OFFER. IN EARLY FEB. OF THIS YEAR, I RECEIVED A SUMMONS SAYING I HAD 20 DAYS TO REPLY. I'VE RETAINED AN ATTORNEY BUT THEY TELL ME MY OPTION IS TO FILE A CHAPTER 13 BANKRUPTCY. I DON'T WANT TO DO THIS BUT AM AFRAID THIS IS MY LAST OPTION. WILL I GET A COURT DATE SO I CAN PLEAD MY CASE TO A JUDGE OR WILL THEY JUST START GARNISHING MY WAGES ? PLEASE GIVE ANY ADVICE.
THANK YOU,
MY HOME WAS FORCLOSED ON 3 YRS AGO THIS JULY. I LIVED IN THE HOUSE FOR OVER 4 YRS & PAID ON IT MONTHLY. I ORIGINALLY BORROWED $111000. THE HOUSE WAS SOLD AT THE PUPLIC AUCTION FOR $113OOO. AFTER 18 MONTHS, I BEGAN LOOKING INTO MY CREDIT REPORT. I FOUND AN UNPAID MORGAGE OF $12000 ON MY CREDIT REPORT. I THEN CALLED THE MORGAGE COMPANY TO INQUIRE ABOUT THIS. THEY HADN'T CONTACTED ME BECAUSE THEY THOUGHT MY HOUSE WAS FILED IN A BANKRUPCTY I DID 1 YR PRIOR. FROM THAT POINT ON THEY WANTED TO COLLECT THE DEBT. THEY KEPT TELLING ME IT WAS FOR ATTORNEY FEES. THE BALANCE WITHIN A FEW MONTHS HAD INCREASED TO $ 28000. I MADE SMALL MONTHLY PAYMENTS ON THIS FOR ABOUT 6 MONTHS. THE LAST PAYMENT I TRIED TO MAKE THEY WOULD NOT ACCEPT SAYING THAT IT NEEDED TO BE SENT TO LOCAL COUNSEL. I TOOK A 401K POLICY THAT I HAD & TRIED TO OFFER THEM THAT, WHICH WAS ONLY ABOUT $4000. THEY WOULD NOT ACCEPT MY OFFER. IN EARLY FEB. OF THIS YEAR, I RECEIVED A SUMMONS SAYING I HAD 20 DAYS TO REPLY. I'VE RETAINED AN ATTORNEY BUT THEY TELL ME MY OPTION IS TO FILE A CHAPTER 13 BANKRUPTCY. I DON'T WANT TO DO THIS BUT AM AFRAID THIS IS MY LAST OPTION. WILL I GET A COURT DATE SO I CAN PLEAD MY CASE TO A JUDGE OR WILL THEY JUST START GARNISHING MY WAGES ? PLEASE GIVE ANY ADVICE.
THANK YOU,
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