Sadly, I would have to agree with previous comments that it's time to move. However, I'm not an expert so visiting the State of Michigan website below might give you additional information or places to go for assistance. Oakland County also offers Housing Counseling (I believe it's free) to residents. Look on http://oakgov.com
I wasn't able to find your home in Oakland County Public Records for the banks name. I suggest contacting your lender for the information.
This website will have more information about the foreclosure process, timelines, and possible rental assistance if you qualify. http://www.michigan.gov/mshda/0,1607,7-141-45866_47905-177801--
I wish you luck, remember everyone is only one step away from where you are now, things will get better.
granted to family members. Nepotism is alive and well in the banking business, as well as hidden
fees, late fees, 0% interest on your money. A smile when you enter, notice how much friendlier they are while they squeeze every penalty they can out of you. Who needs them? Buy gold.
The banks have shamelessly turned their backs on the very people who helped them. I am a broker and have seen first hand how many homeowners have been turned down, as the banks robo-stamp
most modification requests as denied. It is similar to Rain Man, where the insurance companies stamped "DENIED" on all claims, except it is the banks this time.
Fight, go to every court hearing, write your own brief. I looked on line and wrote my own brief which bought another 90 days, quoting the modification was in process. If you are in the midst of a HAMP modification, the judge can not allow a comittment of the sale of your property, even if it has been sold to your bank or a third party. Banks are the scum of the earth. I wouldn't be caught dead with my money in a banking institution.
As for your comments, Derek: (and others)
You are a pompous jerk that thinks it can't happen to you. I hope you and your spouse get your pink slips on the same day. Kids in college, mortgage on your home, everyday expenses. Try getting another job. Even more difficult, try to
get a modification on your home. Wells Fargo has only granted 10% of the
MANDATED number ordered by the Treasury department. If you haven't walked in someone's shoes, or been close enough to see your friends or family go through the banks farce , then shut your smug, arrogant, non-informed mouth. You haven't a clue. Watch the class action suits fly. Mark my words.
I have done everything possible to keep my home.
I do hope that all the people who have smart a** answers, self centered and assume I am just a bum and lazy, that this never happens to you. I would not wish it on anyone. And truly hope you think twice about how you answer next time, and make someone feel like they are just trash.
Remember not everyone is lazy, I have worked since I was 18, and raised 3 kids here, with NO state aide of any kind. I never was on welfare............................
I am not looking for a hand out, just looking to find work, so I can have a place to live. And to know what happens next.
Remember if you can't answer intelligently, don't bother to answer and keep your rude comments to yourself.
"So you want to be able to stay in the house, but not pay for the privilege of being allowed to do so??"
Yeah Derek, some people get foreclosed on and they don't know what to do. They ask questions. They don't want to be foreclosed on but they get in that situation. They never learned to be just another marginal, self-aggrandizing, real estate "professional" with suppressed inner rage.