My husband walked out leaving me 3 months behind on the mortgage. What can I do? He took all the money.?

Question

I live in Texas. We have 2 children (18) (11). Have been married for 14 yrs and have been living together for almost 18 yrs. I had no idea he had not been paying the bills. I do work but have very little income. What do I do now with the house and kids?

Answer 1

Well... First thing is first... no time to wallow in self-pity, you have a home to save!

Ask assistance of family and friends, see if anyone can assist you until you are able to stand on your own...

If that fails, contact the lien holder (Mortgage company), and explain your situation, they may be able to give you hardship assistance, the Mortgage company doesn't want your home, they want the money, and with the current situation in the Mortgage business, they may be able to help...

Check local and state agencies, for assistance, that may be a dead path, but at this point any assistance is welcome.

Sell assets, anything you have, sofa, TV, car, anything, you have an investment in the property, and need to keep a roof over your families head...

UNLESS, if your name isn't on the property at all, then find an apartment, and leave the mess behind for the ****** that picked up and left!

Answer 2

Wow I really feel for your situation. I know this may sound mean, but I'm sure your kids will understand. If your 18 year old has a job, if he or she has not already started helping out financially, maybe you could sit down and talk to him/her about it. Ask either to help pay some of the bills or to pay rent (whatever you two can agree on). You can't charge the 14 year old rent, obviously. If the 18 year old doesn't have a job yet, make them get one! I'm not saying this to sound mean, but at 18 he/she should have a job and since living with mom, should help out with the bills. Also, maybe you could advertise for a border. I'm not sure what the layout of your house is and if it has enough room for one more person to live there, but that person would generally have space of their own that they're renting out (whether it be in a basement that has been changed into a room, or even a loft, or a garage that has been remodeled into another room)...this person would pay monthly rent, and depending on the circumstances and contract, would have access to the kitchen/bathroom (unless there's one already implemented into the part they would be living in). They buy their own food, toiletries, etc. Would have their own tv, etc in their living quarters.

If a border is not an option, then you may consider filing for bankruptcy. This would be a big decision and would effect your credit, but it would eliminate or consolidate all your debts. Also, you may want to see about suing your husband. Call your mortgage company as well, and look into getting payment plans. Maybe they can add a couple hundred to your current charges to pay off the late charges. (i.e. if you're $1200 behind, and your current mortgage payment is $400/month, then they could add $200 to your current payment, making it $600/month until you're paid up. would only take a few months to be out of debt)...not sure how they would work it, if that's even an option.

Also, don't be shy about getting state help. Some states have assistance for electric, water, gas, etc. Go apply for it. Let them know the situation, but don't tell too much. Let them know your income has been cut in half now that your husband is gone and you have a minor living in the house and you need your utilities. They usually pay most of the utilities (depending on your income). My sister needed to do that and they paid all but $15 of her electric...and her electric bill was usually $150+/month...and she only had to take $15 out of pocket and pay that. Check it out! You can get these contacts from your local welfare office. I know some peope are ashamed to do it, but you got kids and need to do what you need to do to take care of them!

I hope this helped! Good Luck!!

Answer 3

Contact the mortgage company and see if they will add the areage to the back of the mortgage. You must do that right away. If they count up your income and the bills and see if you can afford to keep the house. Reasure the children that everything is going to be fine. If you can't afford the house start now looking for some place to live. You have about 9 months before they will be able to evict you. Thats time enough for you to get yourself together. Good luck!

Answer 4

Get an attorney real fast and then connect with the local welfare office and make sure they put a lien on his pay for the kids, the welfare might take care of that. Call the bank or mortgage company, tell them what's going on, other bill collectors.

If you have to leave the house go to a shelter to start with if necessary. You say your working, don't jump to conclusions or make hasty judgments right now, think first, your gong to make a lot of mistakes now due to depression, be careful.

Answer 5

I feel so bad for you. Fu*kin wan*er, how can any one do that escapes me! But i am affraid you are going to have to sell your house, pay off the mortgage company and with whatevers left you buy something smaller and make it your own with your kids.

Life is sh1t sometimes, it has some horrible twists and turns. But sometimes, a brighter day comes from nowhere. So hold on in there, it could be worse, at least you got your children still and your health. I wish you all the luck and i hope you get it sorted with minimum fuss. x sam, uk.

Answer 6

there's a Housing Authority on your section. Have her bypass there and fill out an software for section 8 and public housing. tell her to allow the intake human beings comprehend that she is in an abusive relationship and that her husband is putting her kinfolk in probability through bringing drugs into the homestead. it would not be counted no matter if that is not totally real which could help her out. they ought to provide her a call as being thinking a kinfolk contributors violence subject. Have her positioned a diverse address and telephone volume on the employing so he gained't comprehend what she is doing. At that similar employer they ought to be able to provide her with a e book or training for shelters for abused females. i comprehend human beings do not opt to bypass out on limbs like that yet each from time to time it really is more frustrating to get help once you're literally not homeless or you've someplace to bypass.

Answer 7

do youg et benefits in texas? like welfare?
first of all, your kids will be fine, theyre old enuf to understand that what happend isnt ur or their fault, and theyre old enuf that you can pull together for emotional support. your going to have to contact a lawyer, get legal advice, contact the mortgage people and alwys keep them informed of whats happening, as long as ur honest that you can pay right now, but are in the process of sorting out money to pay.. and that you didnt know etc... , from the time they receive that letter you should have a while say 6months or so to gether up all the money you need. but get loads of advice.

and keep the emotional trouble and financial trouble seperate, youl have to make a list of who to contact, where to go who to pay etc and get it all done, and then at night or dinner talk with your kids or friends and use that time to heal your heart.

Answer 8

Wow. Get to a local church for some help. Get foodstamps, Call around to different agencies. Ask around for legal aid or on advice on homesteading your house so you don't lose it.

You might lose the house, tho. It is very hard to catch up, especially if your income won't support you.

But try for help from Welfare first. DSHS, Etc.

Answer 9

sell your computer for starts..
sell all your disposable assets..
hit up your friends and relatives..
seek social services for assistance with
feed ind and lodging for your family.
salvation army or other charities.
Goodwill
start calling the local churches for any
help they may provide
work as a nanny or babysitter..maybe they would allow your children to live there with you if they have the facilities..work for food and lodgings...Pray for a miracle as God will provide..but God Loves those who help themselves..good luck...don't get married again for awhile...and try not to get back into another relationship with another loser.

Answer 10

is his name on the lease..if so take him to court..if not i am sorry to say this you may have to get another job..just take care of yourself you will be ok..life may seem like it is at its worse but some how some way it will all work out