[juggalette_7272]

sale(because of foreclosure)? i live w/my boyfriend, and our home is only in his name. we just got a sign taped to our door saying "this property has been levied on by the sheriff of summit county and will be sold at (downtown's court add.). sale date:9/10/10. we had bought our house back in 2003. because of the disease i had gotten in 2006, i started filing for S.S.D., and currently preceding through the very long appeal process (after the 2 previous social security disability denials since becoming permanently disabled-i have a lawyer) which can take up to 2 yrs. after being unable to work for 12 consecutive months. falling behind on our mortgage was the result of my inability to work due to my RSD(Reflex Sympathetic Dystrophy)/CRPS(Complex Regional Pain Syndrome), and the foreclosure later begun. i love our home and am scared, we want to try and save it if possible. now, with the impending sheriff's sale i can't even sleep at night, we have two daughters and a wonderful home and life here. i live in akron,ohio. everywhere you turn in akron seems to be another empty home. today alone, i have spent 3+ hrs. trying to research what we can do to save our home. i'm not sure even with our house not only going through a foreclosure but having a judicial auction will speed up my disability claim to possibly save our dream home. any advice is much appreciated. this is a scary and confusing process and i know time is off the essence.

[AK/BRAT]

Well three years behind in payments, or have you made any at all. I think if they started foreclosing that long ago, and it isn't sold yet it was not in theyre best interest, you have time to request a loan modification, new laws passed but interest rates are low so people will want to buy, no doubt, especially if you have equity. But your probably living on the equity which can't be too much in that short of time. So if you bank with wells fargo, they are really good about working with you, and if your a vet. theres some loopholes for you too. The only problem is they don't really offer too much ideas, you have to dig. Depending on the price and if it is financable with hud, usually it takes atleast 45 days for paperwork to process unless they have cash. Call the attorneys in charge of the sale and find out don't wait, good luck>

[NE Settlement]

I would call the mortgage company right away and show them any sources of income you have coming into the household. We have seen many loan modifications offered within a week of the sale date. You certainly have a valid hardship.

Obviously nothing will help you as much as securing an additional source of income but opening a dialogue with the mortgage company and staying persistent will be your best approach.

You still have a few months and a lot can happen with that much time.