Bought my place back in 94 and came really close to losing it back in 2010 when my work all but stopped completely. Having been married for a year or so at the time my wife and I had just refinanced with a credit union she was a member of, about 6 months before things went completely bust. Had it not been for that, and the incrediably low rate we got, plus the fact that they were really good working with us on the whole matter ((since they don't sell out their loans and didn't want another empty house just setting there costing them money)) it might have been a different story. I also think another big influence to work with us came when I made them the guarantee that if they worked with me thdy would get paid but if they didn't I'd gladly walk away from the place so fast it would make their heads spin. If I did that I told them they could handle the work the place needs to finish the inside that they knew needed done when they made the loan (probably $40,000 to hire a contactor given that what I had done so far cost me nearly $10,000 doing it myself))), hire a crane and a couple of trucks to move the customers broke down equipment setting outside my shop ((that I'm waiting to get paid for)), etc,etc. I don't think they had ever had anyone that didn't seem to be afraid of them and 'what they could do', if they wanted to, and simply laid the facts on the line for them and told them exactly what they would be doing to themselves if they did not work with me. Regardless of the reason they agreed to work with us and when things started getting better they 'extended the loan' at the end the months we were behind which 'brought the payments current' and made things all better.
That said in dealings with them they were able to turn us onto some Federal programs designed to help people in the same situation your in. Wish I could remember what they were called but that's been over two years ago now. I do remember that as part of all that I went to several 'classes' telling us what we needed to do. One of the first things is GET A LAWYER, FAST. They might cost a bit but they know all of the tricks that will allow you to stay in the house wether you pay for it or not. (They said there were people living in their house for over a year without making any payments at all.) Too I remember something said about if you were making payments they could only do so much and if they refused a payment it could also change things in your favor in some cases.
In your case it sounds like things have turned around for you but the lender doesn't seem to care and although that is their right, as others have stated , it's still wrong to do anybody like that in my opinion.
So quit wasting time talking to people on here, sit down tomorrow and call your local Family services center, explain your situation and ask them what to do or who to call, and at least call several lawyers and get a free consultation or three and take things from there. Like I said, based on what I was told in several of the classes there are ways to stay in the house and get things worked out. I've been told that by several different places, it's just a mattert of finding someone that knows the ins and outs of the whole deal to help you. GOOD LUCK.
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