[tajelina]

I am VERY new to this foreclosure stuff... so bear with my questions.

This is a whole new world to me. New terms, new concepts... someone help me get "into" this mindframe. There seems to be a lot of lingo/ideas that only the experienced understand here!

And might I add what an AWESOME forum this is?!

Is this thread basically conveying the idea that a foreclosure can be legally "stalled"? A few months ago I would've gasped at how unethical the concept is... but I'm tired of drowning in the middle-class pool. My husband and I are honest people making every effort to meet our financial obligations, but a few months of financial havoc (such as his custody battle for his daughter and an unexpected business repair) has left us in a whirlwind of debt-collectors and financial woe.

I feel like I'm "missing something" in this thread... like there's something between-the-lines here relating to financial relief over a long period via legal means (letters, etc...) but avoiding the word "tactic" (as it's probably a bit harsh).

Please don't think I'm sounding critical... we're desperate... and we're the type of people to say "well, it's not the lender's fault we didn't keep up with our payments... it's not their problem we hit a temporary financial low... and it IS OUR fault that we didn't answer the phone for so long because we didn't know what to tell them... now we pay the price that we can't pay monetarily... we lose our home."
That's what one part of me says, while the other is here on this forum desperately seeking alternatives.