My husband is 100% disabled, confined to a wheelchair, and a heart patient. We had to file a chapter 13 because of certain health crisis' we got behind on our payments, the chapter 13 is payroll deducted, so if you don't see it, you don't miss it kinda deal.
I have done the arrangements with "hometakers" on several different occasions, thinking that everything was straight, just to find out there was more, and start all over again. At least 1 property inspection a month. And just when I thought all was good, the wolf was at the door, with a forclose letter. (hence the bankruptcy) to save my home, that is handicapped accessible for my husband.
After a year and a half, no late payments, I get a Motion for Relief. They said that i am 2 months in arrears. BS I spend an extra $13.00 each month, Western Union, and have the reciepts.
Just fishing around on the internet, I found this site, and started to read many of the fellow victims comments, I am affraid that even though I have bankruptcy lawyers, and they have copies of the reciepts, and my lawyers will get with their lawyers, that these bastards will still take my home, the worth of the home is almost TWICE the amount of the mortgage.
If I lose my home, this will take its toll on my husbands health, I am affraid that he will suffer, yet, another heart attack.
I have recieved all kinds of bankruptcy buyout offers, to refinance, but I don't want a higher mortgage Its getting to be all i can do to afford this one. I fear that may be my only hope and chance though.
Any help or suggestions are welcome.
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