The Mortgage Forgiveness Debt Relief Act

questions & answers

Question: Have two homes, Glendale & Surprise, was living in the Glendale home until wife passed away, on 10/2006, moved to other home in Surprise right after death of Wife. Moved out of home in Glendale due to the pain so I moved to our other home in Surprise leaving my son to live in the Glendale home. During the healing time, my real estate income went so low that I lost the home to foreclosure in May of 2008, which I accepted keys for cash from Ocwen, and moved back to Glendale home. Does the home in Surprise qualify for Mortgage Forgiveness Debt Relief, since I was living there for 1 1/2 years.

Answer: The Arizona Attorney General’s office has a resource and referral guide for foreclosure recovery and related questions.There is a Mortgage Debt Relief Act, applicable to all foreclosures from 2007 through 2012. 

QUESTIONS

  • Have two homes, Glendale & Surprise, was living in the Glendale home until wife passed away, on 10/2006, moved to other home in Surprise right after death of Wife. Moved out of home in Glendale due to the pain so I moved to our other home in Surprise leaving my son to live in the Glendale home. During the healing time, my real estate income went so low that I lost the home to foreclosure in May of 2008, which I accepted keys for cash from Ocwen, and moved back to Glendale home. Does the home in Surprise qualify for Mortgage Forgiveness Debt Relief, since I was living there for 1 1/2 years.

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