My mom passed away in January and her home was in a reverse mortgage. There are no other assets no life insurance, and no will. Now the reverse mortgage company wants me to go through probate just to be able to get a mortgage to buy the house. Me and my children including a disabled child are living in the home. We have a low income and no where else to go and the mortgage company is in the process of trying to forclose. Please can someone help us find a lawyer to help us through this. All I have left of my mom is the house and I grew up here. Also the house is in poor condition.
I'm in Virginia, and cannot practice law in PA, but I can advise you to google "free legal help" in Pennsylvania ASAP. You should be able to also go on the website for the ABA (American Bar Association) and look at freelegalanswers.org for PA links there. Depending on the area of PA you are in, some of the bigger cities have their own legal aid programs that may cover where you live too.
Generally, the estate (the collection of everything that your mom owned) has to go through "intestate succession" because there was no will. That means someone must qualify to administer her estate and then distribute what is contained in it (money, possessions, house). The bank and the reverse mortgage complicate things but again, please check for free or low cost legal help ASAP in your area.
In Mercer County you can contact legal aid at Northwestern Legal Services, Renaissance Centre ° 1001 State St. º Suite 700 º Erie, Pennsylvania 16501. Telephone: (814) 452-6949; (800) 753-5704 º Facsimile: (814) 452-3734. Its web address is www.nwls.org.
In your case, the title to the house automatically passes to the heirs upon death subject to the administrator's right to sell it if necessary. This is one reason why the bank is contacting you. Also, the bank wants the heir(s) to buy it so it can receive what it is owed. If it is underwater, your options may be very limited, but an attorney can assist you with identifying potential options.
My sympathy on your mother's passing.
The information on this website is for general informational purposes only. The law is complex and it continually changes, sometimes on a daily basis. Therefore, you should not act or rely on information in this website without seeking the advice of an attorney. Also, it is not always possible to update the general information in this website as quickly as the law changes and, as a result, the information on this website is not guaranteed to be complete, correct, or up-to-date. This website and any information contained in it are not intended to create an attorney-client relationship between you and Hoffmeyer & Semmelman, LLP. Although we would be pleased to represent you and provide legal services for you, we are unable to communicate with you until we are able to determine whether our representation of you would create a conflict of interest. If you are interested in retaining Hoffmeyer & Semmelman, LLP to represent you in your legal matters, please contact the office at 717-846-8846 to schedule an appointment. Also, you must not send us any confidential information until you and Hoffmeyer & Semmelman, LLP have signed a written Fee Agreement indicating that we represent you in your legal matter. If we do not already represent you, your communication will not be protected by the attorney-client privilege and it may not be treated as privileged or confidential. This includes any communication made by you to us including communication through this website, the United States Postal Service, or by telephone.
Also some law schools have programs to provide this kind of legal aid to indigent people. You can check that out at one or more law schools near you.
These comments do not constitute legal advice. They are general comments on the circumstances presented, and may not be applicable to your situation. For legal advice on which you may rely consult your own lawyer.
Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.
Years licensed, work experience, education
Peer endorsements, associations, awards
Publications, speaking engagements