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How do I find fix my mortgage situation

1 Answers. Asked on Apr 12th, 2017 on Debtor and Creditor - Michigan
More details to this question:
Bought my house in 2003. Divorced in 2008. I kept the house and use it as my residence with my new husband and our kids. Ex husband filed bankruptcy in 2015 and included the mortgage on my house. I fell behind in the payments. The mortgage went from Citi to Ditech to Citi, back to Ditech and finally to a company that I believe is a collections agency. I have mailed in 2 full payments to them, which they have refused. I don't want to lose my house, I want to make the payments to who ever actually owns my mortgage. And I want to keep my home
Answers Showing 1 out of 1
Answered on Apr 13th, 2017 at 7:40 AM

Get a lawyer to help you and act quickly. Most mortgage holders would rather take your money and continue getting paid monthly than foreclosing, but you often have to work hard to get to the person with the authority to take money and reinstate the mortgage. Good Luck.

David J. Hutchinson 106 N. 4th Ave Ann Arbor, MI 734-930-9000

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Debtor and Creditor
Just because you owe money to another person, a bank, credit card company, landlord or another party doesn't mean you've signed away your legal rights. Federal and state debtor-creditor laws explain both the legal rights and obligations of debtors (people who owe money) and creditors (those who are owed money). If you're being hounded by collection agencies and debt collectors, talk to a debtor and creditor attorney who can help you enforce your legal rights while also working to explore debt relief options. Your lawyer can discuss the pros and cons of debt settlement, garnishment, personal bankruptcy and other possible solutions.
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