Q: I lost my job after Hurricane Irma and am worried about falling behind on mortgage payments. My house was also badly
damaged. If it's now worth less than I owe and the bank forecloses, can they come after me to pay for repairs?
A: No, probably not. Didn't they require insurance which would cover such damage?
A: I am sorry for your situation. If your house is insured, you need to make a claim for whatever items or repairs can be reimbursed to you. Many companies are offering assistance to Hurricane Irma victims. I would contact your mortgage company and let them know your situation, they may give you a forbearance for a few months until you can get back on track. You should also apply for unemployment right away until you can find another job. If it comes down to it and the bank forecloses, you will still have time to participate in the foreclosure, mediation and other options. Foreclosure is a process, so don't think that the Sheriff is going to come in and throw your stuff out on the curb. If you are served with a foreclosure Summons, you should contact an attorney to determine the course of action that will be most beneficial to you. Best of Luck! Jennifer
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
