Am 63 and on SSD disability is only income been fighting BAC, Nationstar, Mr Cooper all same ppl for years i have spoke with a couple of attorneys over the course and i invariably get different advice from all, sometimes diametrically so. I am sick, broke, 2 H-attacks, my daughter w Ovarian cancer there are creditors Citi, Midland Fund, Pressler, water - sewer tax lien, this is killing me literally, calls Robo (TPCA) come in under all different names and numbers they wont be happy till im dead.
A foreclosure defense attorney would be able to assess if a loan modification or other solution to the foreclosure is feasible. If not, a bankruptcy should be considered as well, given that there are other debts that need to be addressed.
You need to bring your file to a foreclosure defense attorney as soon as possible.
I am sorry to learn about your nightmare ordeal. Given your current financial state, you will need to seek legal assistance from NJ legal services. You may qualify for some type of help as a protected person under the American's With Disabilities Act. Good luck.
