The Mortgage Forgiveness Debt Relief Act
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Question: Have two homes, Glendale & Surprise, was living in the Glendale home until wife passed away, on 10/2006, moved to other home in Surprise right after death of Wife. Moved out of home in Glendale due to the pain so I moved to our other home in Surprise leaving my son to live in the Glendale home. During the healing time, my real estate income went so low that I lost the home to foreclosure in May of 2008, which I accepted keys for cash from Ocwen, and moved back to Glendale home. Does the home in Surprise qualify for Mortgage Forgiveness Debt Relief, since I was living there for 1 1/2 years.
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Question: Hoping I picked the right category. In January of this year (2017) I received a 1099-C from the bank cancelation of debt from a Home Equity Line. Does the bank need to release the lien or deed that was recorded when the HEL was established? How do I know they truely forgave the debt or if there is still some backdoor for them to collect should I sell or refi the home? I only received the 1099-C nothing else. And at the Maricopa recorders office no release was recorded. What do I need to do to have them release it. Is there a time frame that the bank is required to file a release?
QUESTIONS
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Hoping I picked the right category. In January of this year (2017) I received a 1099-C from the bank cancelation of debt from a Home Equity Line. Does the bank need to release the lien or deed that was recorded when the HEL was established? How do I know they truely forgave the debt or if there is still some backdoor for them to collect should I sell or refi the home? I only received the 1099-C nothing else. And at the Maricopa recorders office no release was recorded. What do I need to do to have them release it. Is there a time frame that the bank is required to file a release?
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Have two homes, Glendale & Surprise, was living in the Glendale home until wife passed away, on 10/2006, moved to other home in Surprise right after death of Wife. Moved out of home in Glendale due to the pain so I moved to our other home in Surprise leaving my son to live in the Glendale home. During the healing time, my real estate income went so low that I lost the home to foreclosure in May of 2008, which I accepted keys for cash from Ocwen, and moved back to Glendale home. Does the home in Surprise qualify for Mortgage Forgiveness Debt Relief, since I was living there for 1 1/2 years.
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my brother does a work to a company and he die
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