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Can you provide me a bit more information? But for the other debt, could she afford to make her house payment? Does she own any other assets? Thanks.
Thanks for following up. This is truly heartbreaking. I will certainly keep you all in my prayers! She does have some protections. Her pension and SS income is exempt and can't be touched. Florida also has an unlimited homestead exemption...meaning it could not be touched by other creditors. But, for those who have been given a lien on the property to secure their loans, if they weren't paid, then they could foreclose on the house. So, she can simply stop paying all the other creditors. They're not likely to pursue a suit that is not collectible. If they did, she could always declare bankruptcy to discharge the judgments.
So, the issue is the house. To keep it, she will need to pay the loans secured by the house and catch up on the taxes. Many counties allows senior citizens to accrue the taxes rather than pay them currently, so you should check to see if that's available to help there.
This is the part of my job I don't like...when the law is not in favor of my customer. I wish I could tell you the house was beyond reach no matter what, but, I can only provide you information based on the law so that you can act on the best available information to you. ………..I wish I had better news, but can only hope you recognize and understand my predicament and don't shoot the messenger. I'm sorry!