We got a notice in December for a supplemental property tax bill due to the home we bought last year was reappraised - it was figured in our payments, however, THe escrow account with our lender didn't pay the supplemental tax, only the initial property tax. We got an escrow summary from the lender stating there was surplus and if there are late payments then that money would be taken from the escrow - if not, then we would receive a check. We are going into foreclosure this month, so we can assume that we are screwed re: the property tax bill. Of course they are threatening foreclosure if the supplemental is not paid.
The HOA isn't paid either, they are threatening foreclosure.
So what am I really responsible for? I am unemployed, and the home and loan is only in my name. So they can't garnish my husband's wages - he signed a quit claim prior to us getting married for other reasons.
I am hoping that all this can just get discharged, we are shooting for ch 7 filing in a few mos.
Any opinions? I am really really not educated about this whole aspect, and frankly am struggling to understand it. I don't think I am cut out to be a homeowner, it all seems awfully complicated to me.
The HOA isn't paid either, they are threatening foreclosure.
So what am I really responsible for? I am unemployed, and the home and loan is only in my name. So they can't garnish my husband's wages - he signed a quit claim prior to us getting married for other reasons.
I am hoping that all this can just get discharged, we are shooting for ch 7 filing in a few mos.
Any opinions? I am really really not educated about this whole aspect, and frankly am struggling to understand it. I don't think I am cut out to be a homeowner, it all seems awfully complicated to me.