voiceofreason
North Carolina,#2Consumer Comment
Tue, December 06, 2011
It's possible the lender called the loan in upon notice of your mother's passing. Are you her executor, or legal one of, or the only heir? If not, they may have sent notice demanding full payoff to the executor, to another legal heir, or even to her, and you never realized it or were informed. An outstanding mortgage doesn't continue indefinitely upon the passing of whoever it was in the name of - it can be called and if full payoff isn't made upon such notice, they foreclose.
Unfortunately you will need a lawyer, and if too much time passed, or you are considered by them to have no legal standing or recourse in the matter, then you are probably screwed.
BUT, if this is all the case, then the lender should not have been accepting the payments you continued to make after her death was recorded.
Sound to me like you ought to have some recourse here, assuming you were her heir, or one of them, let alone executor.
Also, I'm not pointing out the following to add to your pain. This obviously was devastating to you, BUT, your 1 sentence run on lack of grammar in this report was pretty bad. If that kind of communication is what you brought to various lawyers or other principals involved in all this, you're going to find it much harder to get anyone to listen to you, or read whatever you write. If you have any chance of fighting this on even a remotely level playing field, you got to step up and work on your written communication skills, and verbal, if you speak like you wrote.
If you can't get a normal lawyer to help you, try the nearest law schools to see if they have programs where students look to take such cases on. They may not know as much but they might still have the idealistic fire to compensate for experience. And then there's always action type news reporters you can try, but you got to make yourself understood to them and provide documentation.
I hope you get some resolution out of this. They can only help; they can't do all the work for you.
Ashley
springfield,#3Consumer Comment
Tue, December 06, 2011
but the house wasnt yours. Was your name on the deed? After your mother died what did the courts order done with the house? what was in her will? Since it was a mortgage, the bank still owned the house, and if your name wasnt on the deed it is perfectly legal for them to remove you from the property. I would reccomend getting an attorney though, any proceeds from the sale of the house should go to your mother's estate.