Losing a limb to diabetes may take a person years to overcome but, during that time, they typically still have bills to pay. Unfortunately, this situation could cause a person to lose their home because they don't properly pay their mortgage. Thankfully, defenses against this act are possible.
Medical Expenses Can Make Mortgage Payments Tough
People with severe diabetes may find themselves struggling to stay healthy and may find that amputation of a limb is a necessity. This scary situation often gets many people with diabetes to start taking better care of their bodies. Unfortunately, people in this situation may find work impossible or struggle to focus on important day-to-day tasks.
In this scenario, many people may even forget or be unable to pay their mortgage for an extended period and find themselves staring at a foreclosure letter. With nowhere to go and the danger of homelessness staring them in the face, these individuals need to build up their courage and create a defense against a potentially disastrous foreclosure.
Defenses are Possible for Foreclosure
People who lost a limb and lost their home in a foreclosure have many defenses to consider. For example, they can claim that they never received a letter stating that they were in violation of their mortgage terms. These types of defenses may prove tricky to stage, however, as the lender may simply point to a duplicate of the letter mailed to the person making the claim.
Other defenses include the fact that the foreclosing party cannot prove that they own the loan due to gaps in paperwork. Again, this type of defense is possible but is not likely to succeed. Instead, somebody who lost a limb due to diabetes or other complications should seriously consider writing a hardship letter instead.
A hardship letter is a statement that an individual suffered from an unforeseen disaster that made paying their mortgage impossible. Losing a limb to diabetes definitely falls under this heading because a lengthy recovery period and, potentially, an inability to work would make paying mortgages very difficult. In this situation, an individual may be able to work out a repayment plan with their mortgage agent.
However, anybody in this position needs to contact a foreclosure defense attorney to get the help that they need. These experts can help them write their hardship letter in a way that improves their chances of success. While this approach doesn't always work, it is often the best way to save a house.