Allison
Appearances
The Ramsey Show
Your Debt Should Make You Uncomfortable
Well, okay, I'm just going to be quick about this. My husband passed away. I'm sorry. Yes, you know what? You had to love him or you had to hate him. It was one or the other. My question is, he hid everything from me. The day he died, I found out we had a sheriff's sale also on that day for my home, and I had absolutely no clue. He hid all the paperwork, everything. Sent me to Atlantic City.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Like we had nothing wrong. And so I'm in a pickle. I'm not really sure what I should do about this.
The Ramsey Show
Your Debt Should Make You Uncomfortable
September 17th. I also moved my father into my home six weeks prior to that. He was in Colorado. He's been there 56 years. I just moved him back here. And then this happened. So.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Yeah, I felt like I got hit by a two-by-four. He's knocked out to the ground. Oh, Allison. Yeah, and I have my three-year-old grandson lives with me and two of my adult daughters because it's very expensive here, you know. The taxes are really, my taxes are 10 grand. I don't even have a quarter of an acre. You know, it's just really expensive. Yes.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Okay. I believe he was in the rears for eighty six thousand. He was in a bankruptcy for three years to save the home when he was in the hospital a couple of years ago. And that was fine. He was paying thirty seven hundred dollars into the bankruptcy and twenty four to a regular mortgage. And I guess he just ran out of money and never told me.
The Ramsey Show
Your Debt Should Make You Uncomfortable
Well, I have, I don't believe that I owe what they're saying. I know. I understand there's interest in all that. Um, but they, they kind of put us in that position. It's a cop. It's a servicer that has been taken to court many times and, uh, had to pay out millions of dollars for wrongfully taking people's homes. And, um,
The Ramsey Show
Your Debt Should Make You Uncomfortable
This is what I was battling for a few years before I stumbled on that when he was in the hospital. So I just wanted to know what is the bottom line? Like, what can I pay to get it out of foreclosure and then possibly just keeping the mortgage and paying that off? I don't even know what I think. How far behind are you?
The Ramsey Show
Your Debt Should Make You Uncomfortable
Well, he stopped paying that mortgage or the mortgage and the bankruptcy in January. Okay.
The Ramsey Show
Your Debt Should Make You Uncomfortable
I get physically ill opening those statements because of what happened five years ago. They actually told me they couldn't talk to me because I wasn't on the mortgage, but... I was on the mortgage, so they made me behind even more time. And you're sure that you're on it at this point? Oh, I'm positive. I got my own paperwork hidden. It was hidden in the closet.
The Ramsey Show
Your Debt Should Make You Uncomfortable
My, my, what I would like to do is at least keep it so that I can sell it because I have, it's worth 620 and I owe, what they say I owe is 320. My mortgage was for 340, 315 years ago.
The Ramsey Show
Your Debt Should Make You Uncomfortable
No, I'm not, because I was taking care of my uncle who passed away last Christmas. He was dropped off at my grandson's birthday party. And they're saying, here you go. You get to take care of him. I took care of him for two years, so I didn't work.
The Ramsey Show
Your Debt Should Make You Uncomfortable
And I guess I don't know how well that works, but I get 20 grand every September for six years and I can roll it back into it or, you know, use it or whatever.