When my husband and I bought our house I didn't work so they only wanted to put the mortgage in his name. They put my name on the deed and not the mortgage. The house is in the state of Pennsylvania. Now we are in preforeclosure and the letters are coming in my name. Can they come after me if the mortgage is not in my name? Thanks for any help any one can give.

Technically the bank's name is on the deed until you pay for it, just like the bank will hold title to a car until you pay off the loan. A husband and wife are considered one person under the law
www.askherePA.org

Link does not seem to be working

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Originally Posted by wildandblue

technically the bank's name is on the deed until you pay for it, just like the bank will hold title to a car until you pay off the loan. A husband and wife are considered one person under the law
Pennsylvania libraries has a new website www.AskHere.org

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I think you are referring to states where a Deed of Trust is used rather than a mortgage. Pennsylvania is a mortgage state, not a Deed of Trust state.

Also, your link doesn't work.

I agree with LisaB 4657. Contract for Deed and Deeds of Trust are given in States where you do not own your home until its all paid for. I believe the law in PA is spouse must be on the deed.

Get out your closing paperwork and see if you signed the mortgage Note as an additional guarantor. If you did they have the right to come after you since the note is the promise to pay> I would consult a lawyer as soon as possible. If no one helps you, remember you have the right to go bankrupt and this may stall the foreclosure 6 months to a year. The courts are giving workout solutions that may help you,