My mom loaned me money to fix up my home. .000. That is all I owe on the home. She filed a mortgage on my property but now my creditors want to sell my home and pay them. If my mom has a mortgage on the property shouldn’t she get paid before GMAC or the bank? And if I have no equity in the house other then .000 can anyone take my home in the bankruptcy?

Will creditors view my liabilities as too great if I take out a home equity loan on a currently-mortgaged to finance a down payment on a second house? Is it legally feasible, to begin with? or practical?

Our mortgage is not up for renewal in March but that is when we plan on refinancing our mortgage along with 1 other large debt. Because we will be cleared of bankruptcy in our history in March, we are working hard to better our credit too. What are some of the factors creditors consider when doing a refinancing?

My grandmother has aquired debt in total of ,000.This is mainly due to using credit cards and such to purchase fuel for her home, new oil tank, new furnace and several other necessities over the years.She is currently living on a fixed income of 1200. per month.Right now, creditors are harassing her left and right and she is struggling to pay the bills.I help, but I am not rich.There is only so much I can do. She is overwhelmed and the taxes are due on the house in January. I went to LendingTree.Com. and came up with a Home Equity Loan from Champion Mortgage.How safe is this?Is this the right thing for her?Any other options? They charged her to assess her home. Are their closing costs that must be paid before she receives money? Even if she doesn’t get approved? I would hate to see her lose her home. Please help!

here’s the stats:

611 credit score

,400 a month income (but it’s under the table and goes up or down sometimes)

my banking deposits are not the same every month, but it always shows that some kind of deposits are made

never paid a bill late

score is lower due to high debt

own my home "free and clear," and it appraised for 0,000 in california about… 3 to 4 months ago…

i want to take out, like less than 0,000.. i need at least 0,000 to pay off all my student loans, car, credit cards, etc. but would like more to get one of my cars fixed and do home improvements (and have a little amount of "back-up" money)..

will i qualify for anything?? and what’s better in my situation, a line of credit or an equity loan?? the bank can cut the checks to my creditors and i will close my accounts too (on all of my credit cards, except maybe one or two) so they know i won’t be getting back into debt.. what do you guys think??

and what’s a good company to
what’s a good company to go with??