How do i find out if I am on the Mortagae

viancan1 · Joined: 13 Dec 2007 Posts: 1 1.00 Dollars($)

I had a friend that was buying a house and i was asked in the event that something happens to him if i would like to take over the house and I said yes. I went to closeing with him and the laywer that was there told me that I would be on tilte only. Then stortly after that my friend and I then had a dispute and we did a Quick claim deed to remove my name off of title. We stop talking there after. I move out of the state came back and found a letter stating that the house was going to forcloure and my name was on this paper so I called the planitef attonrys and i was told by them that I was not leagly resonpsable for the debt then she ask me for my address so that i can stay updated and a few day after i was summons and the summons was with other papers the were intialsed by me and the other party. what does this mean

0.10 Dollars($)

You need to hire an attorney immediately to represent you. You should always keep a copy of any document you sign, for situations just like this.

A mortgage is not a public record. You must contact the mortgage company, in writing, and ask for a copy of the mortgage. You can also have your lawyer ask the Plaintiff's attorney for a copy in the Discovery phase of the litigation.

jenkin7 · Joined: 04 Jun 2007 Posts: 939 140.80 Dollars($)

Hello Viancan,

I think it is important for you to contact the lender immediately. You have to find out if you are on the mortgage. If the house is on foreclosure with your name on the mortgage that will damage your credit.

You may also consult an attorney and take his advice if required.

gmakerley · Posted: Fri Dec 14, 2007 10:27 am Post subject:

initially, you were told at closing that you are on title to the property. in any situation in which foreclosure begins, you would, of course, be notified, as you have an interest in this property by being on title.

unless you signed a mortgage note indicating that you are liable to make payments, then you need not make any; unless you wish to salvage the property for yourself.

it seems you don't want to do that, from your post, so just keep abreast of the situation for your own protection. check with the bank, of course, and ask them to verify that you are or are not obligated on the loan. if they say you are obligated, ask them for documentation to prove it.

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