Originally Posted by Mommie0203071012

we were in your situation and this past June our house went up for a Tax Sale Auction and my brother in law bought it for 6200, we gave him 2000, My brother pitched in and gave him 2000 and he paid the rest. We are paying him back 4200, 2000 goes to my brother and 2200 goes to my brother in law. We are also looking into filing chapt. 13 bankruptcy to wipe out all the debt we have including back mortgage. My husband isn't an addict we just fell behind on payments. Our loan was through Quantum Servicing and the loan manager was Jackson Kraut. We were going through a Home Modification to lower the payments and Jackson told us that we didn't need to make any mortgage payments while they did this. This was in July of 2010. My husband called EVERY WEEK FOR THE NEXT 3 Months and Finally in October Jackson Kraut called him and said we were 10 months behind (even though we were making our payments from Jan-July) and that our mortgage jumped from 582 to 1107. I was like Your ****ting me?? And we just never made any payments. We couldn't afford that price. Not with 4 kids. :-( it was AWFUL.