stop foreclosure attorney
Can I get a foreclosure ( that is my ex’s) off my credit report without using an attorney?
History : Through a previous (approx. 10 years ago) divorce I signed the deed and/or note and all rights over to ex husband for house. He stopped making payments and house was foreclosed and it is showing up on my credit report. I have disputed this potentially negative item twice. It states that I have joint responsibility with ex. How is this? Can I get out of this? How long does a foreclosure typically stay on a credit report? PLEASE someone, any advice?
My new husband (of 4 years) and I are wanting to buy a home, and this foreclosure is hurting us. Plus, it doesn’t help that I had to file bankruptsy around the same time as my previous divorce, because of ex not wanting to work out bills. Ex too, filed bankruptsy. Bankruptsy however will be off report in July 2008. But foreclosure happened in Dec. 2005. I’m so freakin’ depressed over this and hurt!
Thank you all for taking time out in your day to give me some advice and knowledge. Best Wishes, Melissa T.
Okay, so everyone has given you plenty of answers about the problem, but how about the solution??
I am unclear as to WHY you are having trouble obtaining a mortgage at this point. The thing about credit history is just that… it is HISTORY.
According to your information, this was in the past, and I see no other reason listed for why you are having trouble obtaining financing now. You need to see what is inhibiting you and your new hubby TODAY.
Get your reports.
www.annualcreditreport.com
See if there is anything new to dispute.
Find a good home loan consultant to review your report with you, to see where there are potential problems. Maybe it is more than what meets the eye on your credit reports….Maybe it is your income? Maybe it is your debt? Maybe you need more assets? It is hard to tell from your post.
Feel free to contact me, as I am a licensed home loan consultant with a nationally known direct lender. I handle cases such as this on a regular basis. People can get home financing in almost every situation, as long as there are compensating factors elsewhere.
In the meantime, don’t dwell on the past. Move on (and hopefully IN) to the future ASAP!
Best of luck to you.
Stop Foreclosure, Stop Repos (North Carolina Debt Attorneys / Lawyers)
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15 Ways to Stop Foreclosure: Foreclosure Survival Guide $29.95 5 FACTS TO KNOW 1. You can get free money to pay your mortgage (not a grant) 2. You can pay your bank less than you owe 3. You can file bankruptcy without an attorney 4. You can refinance even with bad credit 5. You can sell your own house for a profit! I was able to keep my home even though I didn’t make a mortgage payment for almost 3 years. With this book you can learn how to se… |
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