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I can't afford my home, taxes or insurance... what now?
My mortgage company failed to put my insurance and real estate taxes in escrow, which I had asked for, and now my insurance has been canceled and I don't know whether my taxes have been paid. I cannot afford the monthly mortgage payment and certainly will not be able to afford it after the escrow happens. I am in the process of a divorce and my income with be cut in half. I need help. Please advise on how I can do a Deed In Lieu of Mortgage or a Short Sale. I have someone who is willing to buy our home as is, but will not pay what we owe to Beneficial. The payment will be short by about $30K and I would like them to just write that off as they have made the huge mistake with the escrow payments.