What Did You Do About Your Housing Situation After Foreclosure?

Contact your county social services office. You will likely qualify for "homeles" status which may entitle you to housing assistance and food assistance. Make sure that your school-aged children's principals are aware of the status change b/c there are regulations governing your children's records and supplies that may be available to them. The law is called McKinney-Vento and it makes sure that your children are not penalized in any way for your status and makes sure that their education is not disrupted.

Good luck... you have a lot you need to do in a very short period of time. Call social services immediately and set-up an appointment. It goes without saying that you two need to sit down together with the kids and have a serious conversation (on their level) about what is happening and the severe cutbacks in your daily lives that need to happen.

I'm pretty sure i will be there soon. i do have good credit for now, but i'm guessing i will live with family for free. Also i would be applying for jobs everywhere. Fast food, retail, temporarily until you can find employment in your areas of expertise. Your husband and you can work oposite shifts to watch kids. Good luck and i am sorry you are going through this.

Everything Krista said.

Ditto to what Krista said. Look for some low income housing. I would check with your local WIC office or welfare office to see if they can help you find housing. They are usually willing to help.

Also, the advice from Ashme about bankruptcy is not correct. I work for an attorney in AZ, and here if you don't pay your house payment you don't keep your house, regardless of whether you file bankruptcy. Filing bankruptcy may still be an option to consider if you have other creditors who are hounding you, but unfortunately in AZ it will not solve your housing problem. (What it would do is delay the trustee's sale, so you could stay in your home a little bit longer.) I agree that it would be a good idea to get advice from a bankruptcy attorney if that is something you want to consider.

Do all of the things that have been suggested first! Once the bank takes the house back---which is almost always delayed many times!!!--- They send a representative out to see if you still live there. If you are still in the house they will offer you money to move out quickly. This is called "Cash for Keys". You will have to move within 7 days and leave the house clean but it is worth staying till the very end. They will knock on your door and if you are not home they will leave their contact info. Talk to them! Tell them your situation. They can help you get as much money as the bank will permit.
Good Luck to you and God Bless!!

I moved out before the foreclosure date and i am renting. My ex sister in law also had the same issue and she is renting... If you knew foreclosure was coming were you not able to save some money? check with you local churches etc. about temp housing, are you receiving unemplyment? That should be a resource for you. If you went bankrupt you would be able to keep the house (in florida at least) have you seen an attorney- bankuptcy attorney will do an initial consultation for free!

Have you filed for bankruptcy?
I don't know if it's different state to state, but in Texas you do not lose your home or vehicles when filing chapter 13.

And filing can be done in a matter of a week or two. This would put a hold on your mortgage company.