I'm down to the almost end and need any help someone can give. Please respond!

[filingsoon]

I'm down to the final week, boyfriend's house is set to foreclose on Monday the 28th.
I'm filling out the paperwork and need some help. Please respond if only to give me encouragement!

Situation:

We lived together in 2010, his income was $2910.00. Mine was about $55,000. I have paid for everything since April and we stopped paying the mortgage in September since Wells Fargo did some shady things to his home equity loan and coverted it without his permission and wouldn't reverse what they did, even though they never did have his permission. They told us they wouldn't work out a payment plan unless we were married since they wouldn't count my income. He has been and is currently unemployed but will hopefully be able to get back to work later this spring (unemployed union roofer.)

Questions are in bold below:

For 2010, I am planning on taking him as my dependent and we meet all IRS criteria to do that.

The only debt he has is home loan, home equity and one AMEX card. House is about
$50K under we want to stay another month or so then move, so if he files this week we should be able to buy time to get that much time if not longer.

For the schedules should I base everything off my income, or should I just list his income as what he made plus what I pay for everything to cover his expenses?

I do realize that it might just be easier to say I didn't live here and have him just file everything on his own income. but there isn't enough of it to show his expenses.

Is it okay to ask for an extension for the credit counseling? He hasn't done it yet and I know he can complete the internet part but most likely will not have enough time to get the telephone part done.

And yes I do realize I only have a day to get this done in, I also have to work all day tomorrow too!

ANYONE PLEASE RESPOND if only to tell me I'm nuts for procrasinating this long.

[espo1357]

I'm down to the final week, boyfriend's house is set to foreclose on Monday the 28th.
I'm filling out the paperwork and need some help. Please respond if only to give me encouragement!

Situation:

We lived together in 2010, his income was $2910.00. Mine was about $55,000. I have paid for everything since April and we stopped paying the mortgage in September since Wells Fargo did some shady things to his home equity loan and coverted it without his permission and wouldn't reverse what they did, even though they never did have his permission. They told us they wouldn't work out a payment plan unless we were married since they wouldn't count my income. He has been and is currently unemployed but will hopefully be able to get back to work later this spring (unemployed union roofer.)

Questions are in bold below:

For 2010, I am planning on taking him as my dependent and we meet all IRS criteria to do that.

The only debt he has is home loan, home equity and one AMEX card. House is about
$50K under we want to stay another month or so then move, so if he files this week we should be able to buy time to get that much time if not longer.

For the schedules should I base everything off my income, or should I just list his income as what he made plus what I pay for everything to cover his expenses?

I do realize that it might just be easier to say I didn't live here and have him just file everything on his own income. but there isn't enough of it to show his expenses.

Is it okay to ask for an extension for the credit counseling? He hasn't done it yet and I know he can complete the internet part but most likely will not have enough time to get the telephone part done.

And yes I do realize I only have a day to get this done in, I also have to work all day tomorrow too!

ANYONE PLEASE RESPOND if only to tell me I'm nuts for procrasinating this long.

so, the house is just SET to foreclose? Its not in foreclosure yet?

If that is the case, you should stay put, because they are not just going to kick you out right away. Also, you can consider a cash for keys with them.

[filingsoon]

Sorry, it's been in foreclosure, it's set to be sold off on Monday the 28th. Wells Fargo complied with state law as far as I know, they sent the required letters, etc so it's set to be sold (probably back to them.)

After going through all the sheets, I figured out that I can use his income and then we won't have to fill out the monthly things since the presumption doesn't arise. I will still report somewhere the money I give him to live on.

I haven't crammed this hard since college!

[free2breathe]

There will have to be money coming from somewhere on Schedule I to pay for the expenses on Schedule J. I think that's where your help will come into play.

As far as the credit counseling, do some looking around. We found one where we did not have to talk to anyone on the phone. Done on computer in a relatively short period of time, and the cert. was mailed to us. Of course, you have to be sure it's accepted in the state you file. I just looked over each of them approved in our state and found the cheapest and easiest to complete.

[filingsoon]

Thanks for the pointers, I'm finishing up the paperwork. I did call the court today and they will let him file tomorrow and take the credit course later, he will do that this weekend. Apparantly in Oregon they will let you file without completing the course, but it could become an issue later, but shouldn't be a problem if he turns in the certificate next week.

Whew, I can't believe this is nearly done!

Thanks again to everyone.