I currently own a morgate for $320.000.00. Okay, we are currently behind 3 months. We always say we will be?

Question

current by August. We work in the Carnivla business. since, I was a little girl my father travelled with a carnival.. He worked hard for his house; :ong story short, I now have our famillly house but I also carry the baggage. Help me pleasel

Answer 1

Like the song says, it's time to send in the clowns. Seriously. Rent out rooms until you can catch up on your payments.

Answer 2

Are you getting a refund at tax time or is the Carnival work off-the books?

I'm not sure about America but I know that in Australia there are financial aid counsellors who can help you reorganise finances, get more time from the bank without it becoming an issue for you in terms of your credit rating being ruined.

I'm not sure if this is an option but one thing you may be able to consider is moving in with a relative / friend and renting out your place as student accommodation where each student pays for their room - depending on room size you might be able to put in bunk-beds. If you can afford rent for a small place - no matter if it's shoe-box size - it's keeping the house that's the priority I gather? Get a small place - as small and inexpensive as you can handle it and rent your place out. It's a way to maintain your independence whilst still being vacant from your house.

Another option I just thought of is that you can perhaps become a house-sitter - some people will let you stay at their house for free whilst they're away or out of the country. It's a transient lifestyle but it could save you yet more money. Hope this helped. Good luck! Meg.

Answer 3

First thing you must do is contact the mortgage company or bank where the loans is, inform them of situation and send any dollar amount possible. I would imagine after 3 months your getting a lot of phone calls, don't ignore them tell them the way it is, your sending all you can then you need to take a look to the inside, family house sure neat thing to keep but at what expense. If you can refinance to get caught up. Caution of fees though, you really are out of time the bank will probably start forecloser process and if that happens you lose it all. Refi or flat out sell. Until you do either of these you'll continue to receive the phone calls & they will get ruder, all you tell them is please stop the calls you are going to file bankruptcy. They do not ever want that cause then they lose.

Answer 4

if you don't get caught up say bye bye to house.