My husband did a loan modification in 2010 with a company that is not the original mortgage company.He passed away 3 months ago. After his death I noticed on the modification papers that I am not listed as a co borrower. I am on the deed of the home. Letters from mortgage company are addressed to the estate of my husband. There is no estate or money left from my husband to pay. Foreclosure letter has arrived due to 4 months behind in payments. I also found out recently that the original mortgage company was sold to modification company. How could they/my husband take my name off the loan? I am I responsible for this debt? Also what happens to the foreclosure when I am on the deed?
Also there is not a copy of the loan on file in the county I live in. Thanks