The mortgage is about $184,000 and I am upside down in it. By the time I had set up a payment plan with the HOA I owed about $4,500 (including late fees and admin fees, etc. The HOA did not start to acutually get me out of here until 10 Aug 12, and even before that time I had written letters to get back on the payment plan again after my sister died in 2011, long before they acquired the deed and also afterward but they ignored all of my letters. Some of the 3rd party bills I had to pay such as my sister’s health insurance premium for the last month when she died or I would have lost my health insurance.
And, no, I did not file a bankruptcy at any time because I didn’t know that the $45,000 that she wanted left to me in trust to pay off my fees and pay my mortgage fees was going to be stolen from me by her “best friend” that she trusted to do so, instead of putting it in writing. Had I known that curveball was going to hit, I would have paid off my dues with the $5,000 I got straight away and worried about the other things later. Sadly, I only found out about this woman doing what she did the day before the Trustee Sale.