Upcoming Foreclosures

can i stop my home from going into a sheriff's sale?

i live w/my boyfriend, and our home is only in his name. we just got a sign taped to our door saying "this property has been levied on by the sheriff of summit county and will be sold at (downtown's court add.). sale date:9/10/10. we had bought our house back in 2003. because of the disease i had gotten in 2006, i started filing for S.S.D., and currently preceding through the very long appeal process (after the 2 previous social security disability denials since becoming permanently disabled-i have a lawyer) which can take up to 2 yrs. after being unable to work for 12 consecutive months. falling behind on our mortgage was the result of my inability to work due to my RSD(Reflex Sympathetic Dystrophy)/CRPS(Complex Regional Pain Syndrome), and the foreclosure later begun. i love our home and am scared, we want to try and save it if possible. now, with the impending sheriff's sale i can't even sleep at night, we have two daughters and a wonderful home and life here. i live in akron,ohio. everywhere you turn in akron seems to be another empty home. today alone, i have spent 3+ hrs. trying to research what we can do to save our home. i'm not sure even with our house not only going through a foreclosure but having a judicial auction will speed up my disability claim to possibly save our dream home. any advice is much appreciated. this is a scary and confusing process and i know time is off the essence.

Public Comments

1. You have a lot of problems, that's for sure. However, NONE of these problems are legal reasons to avoid paying a lawful debt. And that's why your house is going to be foreclosed, because you haven't been paying your debt. I don't know if it's even possible to pay off the debt now that the legal procedures have started. You have to have been in default for quite a long time. I'm sorry, but you got in over your head, and now the bank wants whatever it can salvage.
2. This is a tough situation - my heart goes out to you. The only thing I can think of is to appeal to family members and relatives. Borrow just like a bank loan and agree to pay back weekly/monthly OR If there is a charity that is willing to help. xoxo
3. Consult a bankruptcy attorney about filing a Chapter 13.
4. Either pay ALL that is owed or move out before Sept. 9th.
5. Your disability claim and your mortgage are 2 seperate and unrelated contracts. Even if you started collecting disability your mortgage and the foreclosure would not be effected in the slightest. Even if they were in your name, but as it is you are not even being foreclosed on, your boyfriend is. It is his home, his loan and his responsibilty to pay for. The auction is 3 months away, you need to come up with the cash to bring the mortgage current or sell the house within 3 months.