We received statements until the whole tax issue happened and then they stopped coming.
They are foreclosing. The triple the monthly payment was to pay back the $4,000 in taxes that they paid out of our escrow that wasn't built up enough since we just bought the house.
Since the property was owned by the church for over 15yrs the home and the church property taxes were excempt and put together. The assessor couldn't give us a proper tax rate because of this. That's why they said it would take 1 full year to properly get the correct taxes for our property and until then we would stay tax excempt. But not even 8 months after we bought the house is when we went in foreclosure because our mortgage company paid the taxes for our property and the churches property when it was tax excempt.
The first lawyer was supposed to help us fight our mortgage company and put us in bankruptcy to save the home until things were fixed. Then he swindeled us out of $1,500, but originally saying he could help us and then after he had our $4,000 check from the Assessor he said he couldn't and then took the cash and ran.
The second lawyer was supposed to put us in bankruptcy and had us at a payment we could afford and then out of nowhere jumped our monthly payment by $500. We could no longer afford that.
Our 3rd lawyer has us in bankruptcy but now my wife has lost her job and my income alone can't afford the monthly payments.
We are in the search of yet another lawyer that can open a lawsuit against our mortgage company but having the funds to hire one is hard with having to pay the bankruptcy payment that I can't make. If we get dismissed because we can't pay then there will be an immediate Sheriff Sale on our home.
We are at wits ends here. Went through more stress with this house with not knowing what's going to happen next. Our personal lives have paid for it because of the constant worry of when we could be kicked out of our home. We bought this house because it's big enough for my family. (2 Adults and 4 Children) and now we are going to lose it unless something happens.
I can't afford the bankruptcy and we are thinking about letting it go because we can't handle it anymore. We are looking for some kind of relief, hence why i'm here and hoping somebody can point us in the right direction.
Do we have a lawsuit on our hands? And if so how should we go about this? Should we let our home go back to the bank (because of lack of funds)?
**I can afford on my income alone the house payment and everything just fine, but when everything is in bankruptcy the monthly payment I cannot."