I am trying to understand how to save my home. My mother passed away 2013. There is an existing mortgage on the property that we were paying but due to losses of income got behind. The Bank have been trying to foreclose for quite some time now. I have done everything I can to keep them at bay. I can not afford an Attorney. Due to it being an FHA mortgage they will not allow me to modify. I am currently the owner of record and the taxes are in my name. Their is no equity to refinance.
Due to the fact that the actual mortgage is not in my name, I believe that as the owner of the property I can discharge the debt by filing a UCC-1. Am I correct?
Tamika, Georgia Statutes are very specific about liens, mortgages, and all UCC claims against real estate owners effecting or clouding real property titles and warranty deeds. Please post how you can be the "owner" yet somehow pay a mortgage in a name that is not yours regarding any statute lien against your real estate. Obviously, you can't hold a valid title as you stated. Care to explain?