Tuesday, 5 August 2014

we took a 2nd mortage on our home in '98 to pay for home improvement. the contract was for 20 years, $409 a month. total was approximately 3...

Question

we took a 2nd mortage on our home in '98 to pay for home improvement. the contract was for 20 years, $409 a month. total was approximately 35,000; to date we have paid $69000; the loan has been turned over to 2 collection agencies. the company we had the loan with is no longer in business. is there a way be can ge out of this?



Answer

If you want to walk away from a debt, see a bankruptcy lawyer in your area. You may also lose the house if you can't pay the loans, depending on the circumstances.



Answer

Generally the only way to get out of a mortgage loan is via bankruptcy. A side effect may be losing the home (although in some Chapter 13s you may be able to strip off a second mortgage).



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