#behindonmortgage

[charliebrown0427]

Me and my family needs your help

Hi, My name is Charles Brown Sr. and I am from Columbus, Ohio and I am 36 yrs old and I have full custody of my 3 kids and we are in need of anyone's help that is willing to help us. Around this time last year I was shot by a complete stranger while I was walking my kids to the store to get some snacks for our weekly family movie night. Well while we were walking some man had approached us and asked could he use our cellphone. Well me being the nice guy that I am I gave the guy permission to use my phone but before I handed him my phone he said " Now empty out your pockets before I shoot you and your kids" So I started thinking that I was being robbed and I didn't want me and my kids to be hurt. So I gave the man my belongings and then he forced me onto the ground and told me not to look up or he was going to shoot. So right before he ran off all I seen and heard was a fire come out the gun and a loud sound. Now since everything happened so quick I didn't realize what was going on and I seen blood every where and that's all I remembered the night I was robbed and shot. My kids wasn't physically harmed but mentally it destroyed them. Now my 2 oldest kids are now seeing doctors for the PTSD. But the youngest child is okay because we don't think that he was harmed by the incident that occurred that night he was only 9 months old. But now that I am paralyzed from my waist down I can barley find work that will work with my conditions. I am leaving my future in the lords hands because I can be gone away from my family now. Now that I am able to move around a little bit and drive I am looking for a Job that can help me continue taking care of my family. We are currently 3 months behind in mortgage and my current vehicle has just been reposed because I couldn't afford it. So now we are looking for someone to help us out and maybe we can get caught up on the mortgage before we be put out on the streets. or even if we had our vehicle back we can live out of our trunk and make that work. All that we ask is for that we can ask for you and your family to pray for us and wish that we can get out of this situation. We know that money wont get us completely away from our problems but it would definitely help us across this bridge. If you can donate us anything that would be a blessing it self but if you would like to read the news article here is a link to it.

Injuries: Shot in the chest and the bullet traveled though my chest into my lung hitting my spine and exiting out my back. I was on a vent alter for 4 days before I woke up out of the comma that I was in.

Doctors had to break my ribs to put a chest plate in to drain the blood from my lungs before my lungs filled up with blood and it kill me.

Bullet hit my spine and paralyzing me disabling my legs from ever using them again.

If you would like to donate using Cash App you can send it to my Payee(My Father) that handles my Banking accounts.

Eric Althauser

CashTag:$CrashBandit4

[mikegflores]

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#loan #loanmodification #foreclosureprevention #foreclosure #realestate #mortgage #mortgageassistance #latepayments #behindonpayments #behindonmortgage (at Multi-Family Sales of Texas)

[karralkingston-blog]

A Chapter 7 Bankruptcy Can Stop a Foreclosure

Karra L. Kingston Esq. has helped debtors file bankruptcy to save their homes. A Chapter 7 bankruptcy can stop a foreclosure. Many clients come to us after all other options have been exhausted. Our office has represented clients in bankruptcy Court against mortgage lenders and obtained successful modification outcomes. Call our office today to speak with a bankruptcy lawyer that can help you save your home before it's too late! A Chapter 7 bankruptcy, can stop foreclosure proceedings and may even save your home. Many times people who face foreclosure wait until the last minute to  stop the auction of their home. In some jurisdictions filing a Chapter 7 bankruptcy can be useful to stopping the sale of the home, and trying to get a loan modification. Sometimes, Chapter 7 may not be the best option and a Chapter 13 bankruptcy may need to be filed to save your home.

How Can A Chapter 7 Bankruptcy Save My Home?

A Chapter 7 bankruptcy can stop a foreclosure and wipe out the amount that you owe on your mortgage. This means that if your house is foreclosed on and you file a Chapter 7 bankruptcy then you will not be liable for any deficiency that may be owed. It is important to understand that even though your mortgage gets wiped out in a Chapter 7 bankruptcy, this does not mean that the lien on the property goes away. A lien still stays on the property when you file a Chapter 7 bankruptcy. This means the mortgage company can continue to foreclose on your home even though you do not personally owe the remaining balance on the mortgage. If you are current on your mortgage then this should not be a concern, as most companies will allow you to keep paying your mortgage even after filing a Chapter 7 bankruptcy. Different States' have different rules as to what can be done to stop the sale of your home in a Chapter 7 bankruptcy. For example, in New York the Court will allow you to file a Chapter 7 bankruptcy, to stop the sale of your home and try to seek loss mitigation. Loss mitigation, is where the lender and the debtor work together to come up with some sort of repayment plan. Sometimes the lender will extend the terms of the loan and put the arrears in your monthly payment. Other times, the lender may put a balloon payment at the end of your mortgage. Unfortunately, not everyone can qualify for loss mitigation. In order to qualify, you will have to show the lender that you have enough income to be able to make payments on your loan. Why Chapter 7 May Not Be the Best Way To Save Your home Filing a Chapter 7 bankruptcy, may not be the best way to save your home. If you are not able to participate in loss mitigation, then you have no recourse. Unlike a Chapter 7 bankruptcy, a Chapter 13 bankruptcy allows you to become current on your arrears. This means that you will have to pay your regular monthly mortgage payment, on top of paying your arrears. If you can show the Court that you are able to pay both, your Chapter 13 bankruptcy plan will likely to be confirmed. Unfortunately, Chapter 7 bankruptcy does not have a mechanism to allow you to catch up on your arrears. Further, if you file a Chapter 7 bankruptcy the Court can not force the lender to give you a loan modification. This means that the lenders ultimately, have the upper hand. How Does the Automatic Stay Stop My Foreclosure? If your home is set for auction, filing a Chapter 7 can by you time. When you file bankruptcy an automatic stay becomes effective. This prevents creditors from coming after you including, the bank from foreclosing on your home. Creditors must cease all collection efforts. Therefore, if your home was scheduled for auction, the auction will be canceled. Filing a bankruptcy can help you stay in your home for a little while longer. This extra time can allow you to work out other foreclosure options with your lender such as a loan modification, or short sale. If you have a foreclosure auction date set, time is of the essence. The longer you wait the more difficult the process becomes. Make sure that you speak with a bankruptcy lawyer immediately to discuss your options. Read the full article

[mikegflores]

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#loanmodification #foreclosure #foreclosureprevention #latepayments #mortgage #reslestate #investment. #behindonmortgage #latepayment