I became curious if there had been any group steps up against Guild Home loan, I am a victim of its unfair Foreclosure methods on song out-of thirteen major violations of 2013 Government Property foreclosure Legislation. Any pointers you can publish that would be of any use in my experience would-be significantly liked. We invested all my personal coupons trying to help save the house and still wound up without one. Even today I haven’t recouped my personal losings, it has been devastating as you would expect.

My wife gone out with my youngest child and you may remaining me personally to pay an additional child support additionally the domestic expense and that is higher than this contact form my monthly income. As well, I have been spending youngster support to possess my personal earliest child (to a women in an earlier relationship) to have thirteen many years from the some $ 30 days. I was served , that have a great subpoena to surface in court to spend and extra child help, scientific, dental care, attention, immediately after college or university care, piano instructions, dancing coaching and you will camp for my personal youngest youngster. I can have to pay spousal assistance medical, dental care and you may sight having my wife at the a sum of $ per month.

New divorce or separation will now pending is last in the March, in which $ might be gone back to my month-to-month money once spousal support are deducted. Real estate agent regarding Zuber Realty detailed my house on the market at the $249,900. I financed the house off Flagstar Lender set for 311, with an interest rate 5. I today owe $304,000. My personal merely possibility to offer might be an initial sales for over $70,000. Undertaking Im leasing away two of my personal rooms so you can supplement my financial. Lease you to definitely (1) is actually for small bed room plus the lease is signed and you may the bed room would-be hired to possess $500 a month. Rent a few (2) into the huge room might be rented to possess $600 a month.

Immediately after seeing attorneys I happened to be advised so you can file for separation and for a pecuniary hardship loan mod which have a chances of promoting

I do not have profit discounts at this time although not, We simply have $thirteen,000 during the 401K. Additionally, new basements of the house try overloaded towards the decades had been over $5,000 and that i hadn’t flood insurance. My personal provider Allstate Insurance cannot safeguards sump push disappointments. You will find over 2 ? feet away from drinking water on basement and you can brush-up, a different sump pump and you can removal of liquid surpassed $. Today I need to shell out November s financial and you may a supplementary child assistance due instantly on hearing towards . The brand new difficulty off paying the latest home loan matter is to have the next 5years. An additional roommate might be set in afford the $600 30 days. This helps in my own work to keep the house and you can perhaps not sell.

Both book arrangements would-be provided given that records having my difficulty and also the bank account statements commonly mirror the dumps

At the conclusion of my disease one to started in , Flagstar don’t honor myself the latest amendment up until We filled double so much more. One more time without any help and you may a last day with a good lawyer. It was not up to 2014 which i is issued a modification shortly after dipping into the my personal 401k a decade and you will bowering from family unit members and friends. I need to has actually paid out twice as much of money in addition to bankruptcy and you can lawyer fees which i owed all of them seeking to care for our home in place of foreclosing. Committed it took these to actually honor me new modification for the past and you will forward which have emailing them exact same paper work more than and over again, I can has conserved the money for the next domestic. The effect was extended bankruptcy, poor credit, time off off functions, and you may numerous years of be concerned.