Your situation sounds like you should sit down for a free consult with a bankruptcy attorney. You may have better options than losing your house in a foreclosure.
Mr. Greeves is licensed to practice law throughout the state of Arizona. His office is in Tempe. He is authorized to handle IRS matters throughout the United States. His phone number is 480-422-1850 or his email address is firstname.lastname@example.org. His website is www.grattorneys.com. Please note that this answer does not constitute legal advice, and should not be relied upon. Each state has different laws, every situation is fact specific, and it is impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue. This answer does not create an attorney-client relationship.
If your pool loan was taken out as part of the purchase of the house with the intent that it would be used to put in the pool, then the lender will likely not be able to pursue you. However, this is uncommon. As suggested above, if you took the loan out after purchase, you will have liability. However, to be safe, you should get your house listed ASAP, since a short sale can lead to a definitive answer. Many lenders will delay a foreclosure if you have submitted an offer you've accepted along with all paperwork required. I appreciate that the other attorneys are willing to speak with you but you are very short on time. The market is very good for sellers right now, and, if your home is worth less than $250k, you should have no problem getting offers very, very quickly. Let me know if you need a list of agents I refer to. I want you to know that I have no ties whatsoever with the agents on my list; they are simply agents I have confidence in and who have handled many short sale transactions.
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