Asked by Kimberly Kale, Port Saint Lucie, FL • Fri Jul 25, 2008
I lost my job and my husband still continues to work.Half of our monthly income went to out mortgage which is a interest only. I have tried previously to work with the bank(Chase) and let them know about 8 mos ago I would be losing my job and they stated they couldn't do anything until I was 90 days behind. So I did consult an Attorney and he said to go short sale, because do to certain bankruptcy laws I could not file. I have heard of others buying properties that's why I asked.
As far as hardship, with one income and 2 children yes I do qualify whether the bank thinks so that's a different story, they have yet to respond to my realtor only to acknowledge they received the release forms me and my husband signed. I just want to know about my credit I have a score now about 700. I heard to let it go into foreclosure, because either way I am going to get a damaged record. I have worked so hard to have perfect credit and I am not getting any younger.
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