my husband is in the Navy and was deployed last year 2006 ogf june. still is. well we fell behinde in our mort payments. back in dec.2006. can u beleive our lender would not even work with us.now we are gonna lose our home.any ideas anyone on who I can report this to? serve your country, if ur lucky you"ll have ahome to come home to..AND WERE AMERICANS..
2007-06-21 16:03:04 · 11 answers · asked by baby-doll 1 in Politics & Government ➔ Military
there is a law that states that if due to military deployment you are put into financial burden, you cannot be evicted from your current residence.
there are several stipulations with this law (i really wish i could remember the name of it) such as your rent/mortgage has to be below a certain amount, etc...
contact your local jag office and see if you are eligible.
2007-06-21 19:41:58 · answer #1 · answered by pele 4 · 0⤊ 1⤋
Am I the only one who thinks this is absolutely ridiculous??
As a military wife myself, I know how your pay situtation works. And I know that every month you are paid a guaranteed amount of money for housing - and your mortgage is not supposed to cost more than that!
Not to mention the extra money that comes in to compensate for deployments.
--Here is where I stop to say that I do wish you the best, and I understand that life happens and sometimes family emergencies come up and savings get depleted.--
But, this has obviously been going on for a while - so I think you should have taken care of this a long time ago. As a military wife, it is your job to hold up the fort while your husband is away - he has enough to worry about, he doesn't need to have to deal with this too!
Please take advantage of the opportunities you have to get some financial advice and learn how to create/follow a budget, balance your checkbook... Before your husband was deployed, I'm sure you were provided with all the info you would need to contact someone who can point you in the right direction. Or try going/calling here:
2007-06-22 05:46:03 · answer #2 · answered by bethany s 2 · 3⤊ 0⤋
no reason whatsoever for you to have fallen behind. during deployments at the VERY least, there would be Family Seperation Allowance, which is $250/month. depending on where he went, he would also have received HFP/IDP to the tune of another $350/month. plus State and Federal taxes woould not have been taken out. plus BAH wouldhave remained the same no matter what. so even factoring in sending care packages once a week, there is no reason you could not have kept up onthe mortgage payment if you were intelligent enough to not buy over your means.
the military doesn't get involved with the personal choice to make bad financial decisions unless your spouse has a Clearance, in which case he could lose it if you lose the home, as now he is at risk to be bribed.
now, if your spouses is Reserves and he took a giant pay cut whe activated and sent on Deploymnet, that's another story altogether, and you do have some recourse.
2007-06-22 07:54:45 · answer #3 · answered by Mrsjvb 7 · 4⤊ 0⤋
Where is all of your husbands extra pay going?? That's one time I know I don't have to worry about money, during a deployment. I really don't think there is anything you can do about a foreclosure on your home. Military doesn't get any special privileges in mortgage payments. The only option I can tell you would be to go to AER (I'm not sure what they would be called in the Navy)....they will give you a loan to cover back payments in order for you to keep your home.
2007-06-21 23:51:10 · answer #4 · answered by Anonymous · 3⤊ 0⤋
Yes, the Navy and Marine Corps Relief Society can help you but honestly, they are going to want to know why you fell behind on your payments in the first place. If you are going to lose you home that means you didn't just miss one or two payments. It's really going to depend on your situation if they help you or not. I hate to be the downer but this is YOUR responsiblity. We all have bills to pay and you can't use the "deployment" card for everything.
My husband is on his SIXTH deployment
2007-06-21 23:49:35 · answer #5 · answered by mustangsally76 7 · 3⤊ 0⤋
Contact Navy and Marine Corps Relief Society, the ombudsman for his unit, the unit JAG officer, and a local attorney. Also read the Sailors and Soldiers Relief Act. Contact me if you need more info.
2007-06-22 00:01:30 · answer #6 · answered by Wookie 3 · 1⤊ 0⤋
Go to Navy Marine Corps Relief Society, that is what they are there for. They will sit down with you and go over a budget and they just might be able to help you out with this situation. They help out with a lot of things. Just look it up in your base directory or go to their website www.nmcrs.org there you can find the contact information for the closest one to you. Hope this works and good luck to you!
2007-06-21 23:19:37 · answer #7 · answered by civic9497 2 · 1⤊ 0⤋
There are no laws, statutes or regulations to prevent the lien holder from executing a repossesion as long as it's done within the terms of your contract. It sucks, I know, but the military guys and gals out there in the trenches have always had to take it in the shorts.
2007-06-21 23:13:29 · answer #8 · answered by Chug-a-Lug 7 · 0⤊ 2⤋
See if the Soldiers and Sailors Civil Relief Act provides any help for your situation: http://www.defenselink.mil/specials/Relief_Act_Revision/
2007-06-21 23:11:33 · answer #9 · answered by Anonymous · 1⤊ 0⤋
Go to this link: http://www.defenselink.mil/specials/Relief_Act_Revision/
also, contact the Family Assistance Office at his home station and see what they can do for you. Good luck.
2007-06-22 03:48:11 · answer #10 · answered by George C 2 · 0⤊ 0⤋