USMB Coffee Shop IV

TemplarKormac said:
I wasn't a great money manager and I'm currently getting chewed on it by my military oriented father. I don't even get to grieve.

We're in debt and we want to keep the house. We're unaware if the mortgage has a payoff clause if the guarantee passes away.

We don't want any liens put on it, but we don't have enough money to pay off all the debt. She wanted us to keep the house in the family.

She didn't leave a will, either. We pushed her to but she never did. She hated people butting into her affairs and that had all to do with her controlling ex husband. Might have been more receptive had he not been.

On top of everything else my dad had seized control of everything at the moment. The primary need is money...

I'm sorry to air this out on you, but I'm lost and in pain.
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So sorry to hear this TK. No easy answers for that one for sure. All hope for a solution to be found.
 
TemplarKormac said:
What do I do? I want to save the house so me and dad can live in it together, like she hoped...
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Check around to see if you have a free legal service in your area. Some way to discuss it with an estate attorney without having to pay the usual exorbitant fees. You need some help to manage the estate though if your father is your grandmother's only living child, chances are he is the one to inherit the estate. Also meet with the folks who hold the mortgage to see about a possible re-fi that can reduce payments to something you and your father can handle.
 
Foxfyre said:
Check around to see if you have a free legal service in your area. Some way to discuss it with an estate attorney without having to pay the usual exorbitant fees. You need some help to manage the estate though if your father is your grandmother's only living child, chances are he is the one to inherit the estate. Also meet with the folks who hold the mortgage to see about a possible re-fi that can reduce payments to something you and your father can handle.
Click to expand...
Some lawyers will allow a free consultation.
 
Foxfyre said:
Check around to see if you have a free legal service in your area. Some way to discuss it with an estate attorney without having to pay the usual exorbitant fees. You need some help to manage the estate though if your father is your grandmother's only living child, chances are he is the one to inherit the estate. Also meet with the folks who hold the mortgage to see about a possible re-fi that can reduce payments to something you and your father can handle.
Click to expand...
He's the executor pro-tem so I'll have to pass that on to him.
 
Ringel05 said:
Just woke up from roughly a 4 hour nap lying down in my bed!!! First time in a couple of weeks I've been able to lie down!! Oh happy days!!!
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.

Being Catholic, I spend a lot of time with the Patron Saints, asking what to do about a problem.

St. Joseph is the Patron of Sleep and Rest, and I just asked him to intercede on your behalf.

If you're not religious, thanks for listening anyway, and please accept my best wishes for your well-being.

.
 
As it currently stands, we don't have the money to pay the mortgage... but I want to honor her wishes and have us both still live there together.
 
TemplarKormac said:
As it currently stands, we don't have the money to pay the mortgage... but I want to honor her wishes and have us both still live there together.
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Rent out a room. If you don't have a spare one, convert the garage to basic room. If you have room for two roomies, do that. It's income. Just be careful who you let in.
Start a GoFundMe too.
 
Gracie said:
Rent out a room. If you don't have a spare one, convert the garage to basic room. If you have room for two roomies, do that. It's income. Just be careful who you let in.
Start a GoFundMe too.
Click to expand...
So, me and dad went into her pension and she left me $100k to be paid monthly as usual. This was genius foreplanning, since now I can continue the mortgage.

It's as if that was the reason she didn't make a will.
 
TemplarKormac said:
So, me and dad went into her pension and she left me $100k to be paid monthly as usual. This was genius foreplanning, since now I can continue the mortgage.

It's as if that was the reason she didn't make a will.
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Woo hoo. Hooray for Grandmas who are thinking ahead!
 
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Dad wants to sell the house if the repairs are too costly. I lived in that house longer, I paid more money to live there. I cared for her, and seemingly the reward I get for that is having my wishes mostly ignored.

"Oh but you were declared incompetent by the courts!" They'll say. Then why was I left to care for her?

I want to keep that house and honor her wishes, but I don't know what else to do. The idea of losing it would be like watching her pass all over again...
 
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