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I forgot to add- couldn't you just refinance the whole thing anyway? Even with bad credit there are 70% LTV products out there.
Get copies of your credit report and DENY everything bad. Here is where you are denying debt, but this is outside the court. When you deny a claim the other part has to "verify" it. Statistically 2/3 the time no one bothers. If at first you fail try try again. Every chance you get deny bad info on the report. After improving (hopefully) your credit status some, re-finance the house, or maybe someone else can for you.
maybe this wont help if you are over 70, due to age restrictions on banks. This info could be used to help someone else who would then help you with a mere signature.
You could sell the house.
Many times banks offer some kind of restructuring to take your house out of foreclosure.
There are state aid programs, social services.
The tax issue is a doozy because of course that makes it harder to pay for the place. You could apply for an exemption, since the property is being used to house the homeless (you). Get the form from the county office and if you need help post here.
And there is bankruptcy- this might help the most.
first ask for the re-structuring type of bankruptcy.
That gives you a payment plan.
If that doesnt suit you, let it ride, same thing all over agin, they have to serve you, etc. Tie them up with the process.
then file for total bankruptcy. When the bank obtains exclusion from this process let it drop and start all over in another federal district. New address, new case.
There are so many ways to delay, and time is on your side. The most important thing is to get the most you can out of your property. I dont know how much your payments are but how long would it take to burn all the equity from your house?
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