Friday, 3 April 2015

CollectionsWe are currently in a payment arrangement with our mortgage company, They have been helpfull.Our regular monthly payment includ...

Question

Collections

We are currently in a payment arrangement with our mortgage company, They have been helpfull.

Our regular monthly payment including escrow is $1640. They want us to pay $2377 per month to catch the delinquent amount up. If I just pay $2000 per month until the delinquent is caught up, can the mortgage holder begin forclosure proceedings anyways?



Answer

Re: Collections

As long as you remain behind, without an agreement from the lender, they COULD initiate foreclosure proceedings. Perhaps there is a way to gradually increase from the $2000 you want to pay to the $2377 they are seeking? There may be some other ways to address the past due balance that an attorney might help with you with.

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