Avoid Foreclosure

Just another thought. Even if you can't afford an attorney. You can put together a package to make your situation attractive to the mortgage company. Remember they DON'T want your home! If you need any more contact me and we'll go into greater detail...

I agree with KV. Like you I live in Michigan also (specifically Livingston County) In '07 my wife left me and I was also faced with trying to make the mortgage> i was fortunate enough to meet with someone who helped me put together a letter that wqs sent to my mortgage. The letter explained what has happened and that I wanted to keep the house. They actually cut the payment in half. My situation was different but the point I'm trying to get across is that THERE IS HOPE. Right now it's easy to get so overwhelmed that you don't do anything. That's the WORSE thing you can do. I know you said you can't afford a lawyer. Let me encourage you to contact a church or family member. You NEED legal advice...that will give you the thing you need most right now...HOPE. I hope this helps

Thank you KV, but I can't even afford an attorney...

Here's what you need to do:
#1- Call the mortgage company and explain the entire situation to them and ask them if you can defer any payments to the back end (they can push 2-4 payments, add it to the principal and that will give you time to find work); now the downside is that it'll make your  monthly payment a little higher but it is an option and won't mark your credit as being late
#2- Get the help of a foreclosure attorney; do not go to the mortgage company's attorney- they are not going to fight for you; get your own attorney and have them help you go to court to stay any foreclosure procedures due to UNEMPLOYMENT; they can stay it by something like 6 months if you can prove that you are and your ex are underemployed

There are many actions you can do but you have to be informed and you have to act now.  No waiting on this.