Foreclosure ?

[Allison]

So, you got this statement on the same day you say the real estate agent happened to show up?

 

[It'smeagain555]

So, you got this statement on the same day you say the real estate agent happened to show up?

No, the agent was Monday.

 

[lovemygoofy]

So if your husband wasn't paying the bills, where's the money going?

 

[NewRVLady]

I did file the taxes....I didn't notice the paper saying anything....gonna go look for it now...but I don't itemize deductions

doesn't matter if you don't Itemize ( I didn't the last few years before we paid off)
The interest you paid in 2015 should be the same or just a tad less than 2014

If he didn't pay 3 months mortgage-it will be 1/4 less

 

[HeatherC]

Pay the mortgage. Problem solved.

 

[okeydokey]

If my husband stopped paying the mortgage for several months, threatening my family with homelessness, I would take a serious look at the finances, AND a very serious look at my marriage. Since your name is on the mortgage, you have let him trash your credit rating as well as his own. This can't be a surprise to you. Where has he been spending the extra money the last seven months.

 

[Lynne M]

Just wanted to say that I'm sorry for your situation, and suggest that perhaps a visit to your husband's doctor might not be a bad idea, if neglecting important tasks like bill-paying is out of character for him. Memory issues are not uncommon in 70 year olds, and can be a sign of medical problems as well.

 

[sonnyjane]

Just wanted to say that I'm sorry for your situation, and suggest that perhaps a visit to your husband's doctor might not be a bad idea, if neglecting important tasks like bill-paying is out of character for him. Memory issues are not uncommon in 70 year olds, and can be a sign of medical problems as well.

OP said that the age in the profile is fake.

 

[justgrace]

Call the bank and see if you can start making serious payments and get your loan current. They may try and work with you. If they do, it might be a tight few months of getting caught up, but at least you would still have a place to live.

I hope things work out for you!

 

[Saimaeve]

So, can't you just pay the past due amount and bring your mortgage payment current? Or make payment and a half? So $1200 a month or so until you're current? Im confused how you didn't notice the payment going out?

My husband and I have separate accounts, but I am on his account and would notice if a regular amount didn't get taken out. Did you not notice you had a lot more money for 6 months? $800 isn't pocket change (at least to me! But we keep a pretty strict budget and are pretty young)

There seems to be major issues going on with your marriage.

It just seems crazy. I forgot to pay my $100 cell phone bill once and I got phone calls, emails, text alerts and notifications the next day. Would they not contact you in every way possible to alert you to being this behind? I would think most places would send a certified letter.

There just seems to be something off. Why create a new account? Why not just post under your normal name?

How did he not tell you? This seems huge. My husband tells me when he won't get a chance to log on and to pay our $10 a month website hosting fees before they're due so I can make the payment before it gets forgotten.

There seems to be major issues going on with your marriage. Have you been having issues for a while? What else is he hiding?

 

[QueenIsabella]

I agree with PP's--there's no way that this was the first notice. One time I zoned and missed a payment--the bank contacted me as soon as the payment was late (the 15th of the month, due on the first). They called AND sent a letter. I paid the late fee, but since I sent a payment right away, it never even hit my credit report. So, for the OP to say there has been no notice--that's simply not true. Perhaps SHE didn't see it, because her husband opened the notices, but there were probably several letters and many phone calls. Possibly emails, as well, assuming the mortgage was taken out in the time of emails (funny to think that, 20 years ago, emails were a new thing!).

The more immediate issue is getting some money together. Whether it's to pay the bank, or to eventually establish a new residence, the OP needs to buckle down and work on amassing $$. Sell things, take another job, get rid of cell phones, cable, a car, etc. You need a paradigm shift in your thinking.

Step 2 is getting more aware/involved in your finances. I understand having one person doing billing--in our house, it's me. But, the checkbook is available to DH at any time--he can always see our balance, write a check if needed, whatever. He has an ATM card, but generally doesn't carry a lot of cash, so he just takes from my wallet (letting me know, of course). My point is, he doesn't have to actually pay the bills to be aware of the family finances.

Step 3 is working on your marriage. Clearly, there's a disconnect here. Do you not have the money for the mortgage, or has your DH been spending the mortgage money on something else? What other "surprise" bills might there be, like credit cards that have been run up? What possessed him to think that not paying the mortgage--AND NOT TELLING YOU--would be okay? This is really the largest issue. I don't know if I could ever trust a guy who put his family in jeopardy in this manner.

 

[BellePrincessBelle]

Op it says first notice filed not that your house has already been foreclosed on. You need to be proactive from here on out. You need to either check your local court dockets online to see if/when there is a court date or call the courthouse. The biggest problem is currently your husbands lying. Your marriage is in trouble.

 

[NewRVLady]

Ok-when I saw other posts this "new" poster made with this username(guessing she forgot to go back to her well used other username) I figured out who she is

Methinks she really knew all along.
I also think, since she posted they CAN NOT afford "away" college for the DD- so they skipped mortgage payments to afford this expense

The scary part is putting a down payment on a college dorm when you yourself might be homeless!!!!!

 

[Lynne M]

OP said that the age in the profile is fake.

I see that now, but my advice still stands. I know of a family that had something similar happen, to someone much younger than 70. The person responsible for the finances was forgetting to pay bills, or making mistakes - sending the wrong amount, sending unsigned checks, putting the wrong check in the envelope - and was too scared/proud to ask for help. It turned out to be a symptom of a very serious medical problem.

 

[Alesia]

Dh's wages are being garnished because of school loans. He has about 17k he owes.

If he has already defaulted on his student loans, why on earth was he in charge of paying the mortgage?

You are nearly 8 months behind on your mortgage. There have been dozens and dozens of calls and letters. Either you intentionally ignored them or your husband has been doing a very good job of hiding this from you. What else is he hiding?

 

[BellePrincessBelle]

Ok-when I saw other posts this "new" poster made with this username(guessing she forgot to go back to her well used other username) I figured out who she is

Methinks she really knew all along.
I also think, since she posted they CAN NOT afford "away" college for the DD- so they skipped mortgage payments to afford this expense

The scary part is putting a down payment on a college dorm when you yourself might be homeless!!!!!

Ooo good catch!!!

 

[morgan98]

I knew from the first couple of posts who the OP is. The posting style is a dead give away and they have a long history of posting various financial issues.

I agree with the others in that I am sure the bank has attempted to make contact about the delinquent payments. I also do not think the issue with non payment has anything to do with being a symptom of a medical condition. These financial issues have been going on for years.

 

[Goofy_Disney_Dad]

I had a family member who ignored 555 notices from the bank. The 444th one started the foreclosure process, but he finally responded and got things taken care of. It's not too late to get this corrected and your mortgage holder would much prefer to assist you in getting current instead of foreclosing, but you have to open up some lines of communication with them in order to make that happen. Continuing to ignore this will more than likely be one of the worst decisions you and your husband can make.

 

[Kathryn Merteuil]

What does that have to do with things?

If he has already defaulted on his student loans, why on earth was he in charge of paying the mortgage?

You are nearly 8 months behind on your mortgage. There have been dozens and dozens of calls and letters. Either you intentionally ignored them or your husband has been doing a very good job of hiding this from you. What else is he hiding?

I would fear that this is just the tip of the iceberg. There is no telling what else he has done. Both spouses need to know what is going on with the finances because his bad decisions will affect you.

I have seen how badly a person can mess up finances. (Not me... ex in-laws). I am not saying your husband has done the kind of things my ex sister in-law did to their mother, but it would be cause for concern. When one person is in charge of the finances for another, they can go completely bat-poo. There are so many things a person can mess up.

 

[Missy1961]

I see a few other posters have suggested you get more involved in your families' finances. That is the bare minimum going forward.

And that is something everyone should know. I can remember my parents sitting down at least once a month discussing what the upcoming bills, etc. would be. My mom might have been the one that sat down and wrote out the checks, but my dad knew as much as she did about what was going on. And when my mom passed away, he was able to handle bill paying, etc. without a problem.

You never know what will happen - divorce, death - so both parties in the relationship should be aware of what's going on with the family finances.