Foreclosure, how many months behind for it?
968849
GENERALLY 60 days.Yes,her wages can be garnished
690646
Immediately notify the company or bank that holds the mortgage. Let them know your situation, and ask them if they can give you any type of grace period, or even work out smaller payments, just to keep your credit on the up and up. After 30 years of marriage, you are entitled to half of the assets. Do you have any income of your own? Contact a lawyer-ask around, and take others advice on who to see. Usually the first meeting is free, and it will give you the direction you need. Its your home too, and you have to act fast, if youre going to fight. Good luck to you.
547333
We bought a foreclosed home last year.  There was some extra paperwork to sign, and it took an extra 6 weeks to get a closing on a cash deal.  The house had been vacant for 2 years and had not been well maintained prior to that.  Once the power was turned on the hot water heater, furnace, and fridge did not work.  We were able to fix the water heater for $20 in parts and the furnace for an $85 service call.  We had to buy a new fridge.  We have had a slew of plumbing issues.  We have replaced all of the floor coverings, some drywall, fixed the roof in a couple of spots, gutted the kitchen and bathroom.  We have done all of the work ourselves (other than the service call on the furnace and one niggly little spot on the plumbing) and saved a ton of money.  With all of that we have still invested less than half of the market value of other homes in our area.  We are almost done with the renovations, and it is beginning to feel like home.
1061685
I'm in the same situation right now.  Try to get a bridge loan.  You won't have to make any payments for up to 6 months. I hope this helps.
1145335
My husband & I bought a foreclosed home last year.  We actually looked at several.  We chose this house because of its location.  It had been vacant for 2 years, and not well maintained prior to that.  We knew all of this before we made the offer of nearly 25% less than the asking price (which was low for the area to begin with).\n\nThere was some extra paperwork, mostly releasing the bank from any liability for things that did not work.  Nothing worked.  Our offer was accepted within 24 hours, and it still took 6 weeks to close on an unoccupied house with a cash purchase.\n\nWe have been doing renovations since December.  We have been doing them ourselves and have saved tens of thousands of dollars.  Even with all of the work we have still spent less than 1/2 of the curent market value of similar homes in this area.  If we had it to do over, we would.
1109824
Foreclosure is dependent on the contract.\nSome contracts imply that if you're one minute late, the house belongs to the bank. Don't let it happen!
138738
Seek court costs and interest.\n\nI made a mistake in my divorce and thought I had 6 months to sell or refi the home.  I only had 60 days.\n\nI had to pay my ex-wife a small amount of interest plus court costs on the $7K I had to give her from the home.\n\nSo the court can award interest, on top of what she owes if she continues to be late.\n\nIt doesn't hurt to ask the court to pay you for her mistakes.\n\nHTH
978231
Sorry to hear of your situation...maybe try a refinance to lower the payment? Try to sell it and pay that mortgage, maybe you can even turn a profit. You're going to lose it anyways so try to keep your name clear and maybe make money too.\n\nDon't just lay down man, FIGHT!\n\nYour tax...The tax is usually for the whole year and it depends on what their accounting dictates. Yes, you will be liable for the portion of property tax for the period you are on the title, the bank will owe the remainder if any. Many states send a bill in the sixth month of the year for the whole year so you may owe the previous six months plus the 3 more in foreclosure.\n\nGood luck, I wish you well\n\nMike
1022515
Well, that depends on where the balance of $164,900 is coming from.   Is your down payment $90k or is your loan amount $90k?  \n\nRegardless, do a search on loan amortization tables.  You can put in the loan amount, term and interest rate, it will give you the monthy payment.  There are a ton out there (may even be one in Yahoo Real Estate section).
880305
if they wont work out a forebearance agreement,then contact a bankruptcy lawyer, call HUD now!!!! you nedd to prepare to move in case.....good luck
174322
As a branch manager for a direct lender, typically the lenders will begin the forclosure process after you have been 4 months late.  if this is the case, try and call to get into a forebarance plan with your current lender.
106192
Call your local title company.  They can email you a foreclosure list.  It probably won't be the most up to date like the ones you pay for.  But, it's free.
404565
You should have something in writing that offered you to cure the foreclosure with a lump sum payment.  Did you get a receipt for the funds you paid?  OR Do you have the cancelled check you provided to cure the default?  \n\nContact your lender to determine the current status of the property and your ownership rights.  Typically the lender will only accept the funds required to cure the default and any other lesser amount if often unaccepted.  I hope you have had your payment accepted and thus have be successful in maintaining your ownership rights.\nGood Luck
838606
Pay your late payments or contact an attorney.  There a lot of good attorneys that work specifically to help you find the loop wholes to keep your house.  Or you can try to find a buyer and sell it before you lose it completely.
833770
Why not submit your repayment plan with you paying what you can this month, December, Jan & February, but moving out in February at the end of your lease? You'd be dividing the 3 months you owe over the next 3 and a half months...so it would be just less than your monthly rent is if you're on time. \n\nOtherwise you're about to be evicted.
116577
mortgage history is the key to your credit.after foreclosure your screwed for 7-10 years creditwise. even after that it still has to be dealt with.
982135
Keeping lines of communication open is good. Also, try to make any payment you possibly can. At this point, you may have to bite the bullet and get ANY job just to pay the bills. You can still search for a permanent job but it would be crazy to lose a house you almost have paid off if you can go down the street and get a job at fast food, a retail store, etc. Heck, deliver pizzas! If you can possibly do so, get a roommate. Do whatever it takes to bring in some money (legally) and keep the lender aware of all your efforts. Once you get 4 mths behind, they can start the foreclosure process. If your credit is okay, and since you have some equity in your home, you may be able to take out a home equity line of credit - but I'm not a big fan of treating your home as a bank, esp when the problem is that you have no money to pay the mortgage as it is....it's like robbing from Peter to pay Paul. Because you're going to have to then pay back on the HELOC as well. So this would be a last resort.