I had a mobile home that I had to voluntarily leave last April, as it was costing me over $800 per month between the lot rent and the house payment. I am a nearly 59-year-old single woman. I sent certified letters to everyone letting them know what I was going to do, and I called the mortgage company, who said that if I could not afford it I would have to move.
A man from Clayton Homes in MI called me and offered to take $2000 off the entire bill, but that would not have helped me and it was too little, too late. They said they would sell it and bill me for the balance between the selling price and what I owed, which was still a hefty $42,000 after 9 years.
Last week I received a bill from them for $28,000. They gave that home away for $13,000, and I know it should have sold for at least $25,000, but they knew they could come after me! Vanderbilt called me and said they would accept a one-time settlement payment of $19,000, which may as well be a million. So I owe $29,000 and someone else is living in my house for $13,000. This is an unfair act and they should not be allowed to act in such a way. Now I will have to get attorneys involved, and that means yet more expense, and I only work part time.
Where are the consumer's rights in these situations?
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