My home is now in foreclosure. 11 payments behind. I was in a terrible abusive marriage. He’s in prison now on domestic violence charges against me. My 2 kids and I are healing as best we can and now after months of not working I’m about to lose my home and my car is soon to be repoed. I don’t know much about foreclosure so I’m trying to educate myself. Is there federal funds for victims of DV to help? Are there funds I don’t know about? Are there any loop holes at all? I cannot lose this house!

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You can and probably should declare bankruptcy to start with a clean slate. They won't make you homeless. Also, I would talk with your bank to let them know the situation and see if there's a payment plan you can work out. Double for the car as well.

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Hi, I’m happy to see if there’s a way I can help you. I am a real estate investor on the side and I’m happy to look at options for you

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I’m sorry to hear about this situation. Here are some steps and resources that might help:

1. Contact Your Lender or Loan Servicer
• Many lenders offer hardship programs or loan modifications for individuals facing financial challenges. Contact them as soon as possible to explain your situation and explore options such as:
• Loan modification.
• Forbearance (temporary pause or reduction in payments).

2. Seek Legal Assistance
• Domestic violence survivors may qualify for legal aid to protect assets like your home.
• Check with organizations like Legal Aid or LawHelp.org in your area for free or low-cost legal advice.
• A foreclosure defense attorney can help you understand local foreclosure laws and options.

3. Federal or State Programs
• HUD (Housing and Urban Development) Counselors: Contact a HUD-approved housing counselor (call 1-800-569-4287) who can provide free advice about foreclosure prevention.
• Emergency Rental Assistance: Some states or counties provide emergency funding for homeowners at risk of losing their homes.
• Victims of Crime Act (VOCA) Assistance: VOCA funds are available for victims of domestic violence to cover emergency expenses, including housing.

4. Domestic Violence-Specific Resources
• National Domestic Violence Hotline: Call 1-800-799-SAFE (7233). They can connect you with local resources that may help with housing or financial aid.
• Transitional Housing Programs: Many domestic violence shelters or organizations offer transitional programs to keep families housed.

5. Community Resources
• Charities and Churches: Organizations like the Salvation Army, United Way, or Catholic Charities may offer assistance for mortgage payments or car repossession prevention.
• Local Nonprofits: Search for nonprofits in your area that focus on helping domestic violence survivors or foreclosure prevention.

6. Bankruptcy as a Last Resort
• Filing for Chapter 13 bankruptcy can halt the foreclosure process and allow you time to catch up on payments. Speak with a bankruptcy attorney to see if this option is appropriate.

7. Car Repossession Help
• Contact your lender to negotiate. They may offer to defer payments, reduce interest rates, or create a payment plan.
• Some state laws provide protections for your vehicle if it’s essential for work or transportation for your children.

8. Local Housing Programs
• Check if your state has a Homeowner Assistance Fund (H

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Credit to ChatGPT for all that. Hope something is helpful.

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Haha actually I have crafted up quite a few letters so far with chat gpt 😉

You should reach out to NACA for help. They can negotiate with your lender. I tried to help my sister with this but they wouldn’t work with us because you have to be at risk of foreclosure for them to help.

Can you sell it before you lose it to foreclosure?

I do not think there are, but I would also reach out to a 'Sub to' person in your area to see if you can walk away from the home with some cash.

I’m a real estate investor. Happy to talk to you to see if there are any options that might help you out of this. Feel free to send me a DM

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