My husband died last August. He had not been making payments on the mortgage. My name was never on the deed, just him and his parents and they are all deceased. The original bank sold the note to another 'bank.'

Now the portfolio service is sending a Right to Cure letter telling them how much they have to pay in order to cure the default. It's less than $35,000 and even if my name were on the paperwork I could not get up that kind of money as I live on SSDI.

All communication from the portfolio service is now coming by certified mail which I will not have access to because my name is not on it. I am afraid that some day I will come home and find the doors padlocked and my cats inaccessible. I don't know what my options are and I am very scared.

Can they just come and padlock the doors?

What, if any, rights do i have?

I already tried to go to court and get the house in my name. The judge said that I would be opening myself up to all of his debts, including his medical bills and that she could not in good conscience process the paperwork.

The house is in severe disrepair and not worth much anyway.

please feel free to ask for further information if it will help you help me.