Husband bought home in his name as first time buyer in 2009, in 2014 we had pcs move across state and his mother signed a lease and his sister also moved in. We moved half way across the country to be closer to my family. We didn’t encounter issues with his family paying rent until he deployed in 2020. Because I am not on the loan and his mother always paid the mortgage direct I had no idea. (All mail went to the loaned address and not ours in another state)
    It wasn’t until I got a letter 1 month prior to him returning back from deployment that the house was being sold at Sheriffs Auction. So immediately we took action, contacted lender to see what we could do, they offered COVID relief application but kept asking for my information and while I knew it wasn’t needed, I submitted it to my husband. We called the lender throughout the process and they said sit tight- we’re still processing the application.
    We liquidated assets and were ready to use to pay back the loan but the lender kept saying sit tight we’re still processing the application- this was taking way too long in my books… we got another letter the house was going for auction again and we panicked again (at this point the panic became chronic and we both sank deep in depression). They said oops we (lender) messed up on the Covid application and that we didn’t meet requirements because my information (which was never needed cause I was not on the loan) was included and shouldnt have. By this time we used the money to pay off other debts and we had no way of coming up with back owed… we took this loss.
    All while this is going on we’re trying to evict his mother and sister and it became very toxic. They never changed the utilities over in their name and I have almost $1700 in utilities I’m still challenging with credit bureaus.
    I’m still so bitter over all this, I’m livid that his mother and sister did this, faught us so hard, took pride away from my husband, ruined his credit, tried to shift blame on us, told me that they hated me from the beginning after all we did for them.
    We’ve been renting and I just want to feel happy again and be able to take pride in what we own and worked hard for. My credit is shot cause of the utility bill they didn’t switch over in their name, I also had to pick and choose which bills to pay during covid cause I was laid off and had a major surgery.
    This all went down between 2020-2022… do we have any recourse?

    Husband lost home in sheriffs auction.
    byu/martinke83 inMilitaryFinance



    Posted by martinke83

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