<prompt> Human: I honestly dont know where to start but here it goes. Ive never been good with writing thingsOk so to clear things up first ... I dont know the in depth details of the matter, as its my moms house and i live with her. Just us 2- We live in Florida- We both work at Disney i do part time and she does Full Time 5 to 6 days a week. i do part time cause i cant afford a vehicle so we both use one car, we were waiting for taxes so i could get a moped or somethingOk so to explain the situation as best as i can. I was talking to my mom yesterday about an anxiety attack i had when she started talking back to me she started crying and it like instantly freaked my out .. Long story short she told me that the people she pays the mortgage to stopped taking her payments and said if she doesnt come up with 4,000 its high 3,000s she said ALMOST 4,000 but for the sake of lack of details that i have well use 4k by Jan.6 that thats it.So a while ago when my dad left she had trouble paying the house .. obviously a lack of a sturdy second income. And she was busting her ass working nearly 7 days a week to make shit work. And after not really being able to afford the mortgage, she worked out a deal with them to lower the payments to save our ass. That helped us for manyyy years. Fast forward to now she has to pay whatever full debt she has the 4k by Jan6 to keep living here.I have always been telling her lets move somewhere cheaper . a trailer .. another country .. ANYTHING and she always swears she has the lowest payment possible in FL that if we went to an apartment or a trailer it WOULD be more expensive. Shes even told me earlier this year that everything with the house is fine etc etc. So all this news came kinda short notice literally out of nowhere .. i mean literally yesterday.So to try to keep this as short as possible What is the first step we take in preparing for what is going to happen? There is almost no way out and we have 0 savings. seriously in the most non joking manner i told her give me all you have right now and let me play a poker tourny in Tampa cause at this point we have nothing to lose and she said i have nothingFeel free to ask me any questions and i will answer them to the full detail as much as possible while asking my mom as well. Forgive me for my terrible writing, and im sure i had it better mentally prepared for what i was gonna write but im sure i forgot to mention things, also while trying to keep it short, THUS why i ask you to ask me as many questions as possible PLEASE. Im merely asking for what the first steps we should take, not, How can i come up with 4,000 in 2 weeks. As far as ive told her, i told her we should start cleaning the house and emptying as much as possible .. But literally we have no idea what to do or where to go. I asked her if she paid those 4,000 if she could afford living here after and she said yes that the debt only added because of having to watch our Nephew making her work less and hurricane Irma.And yes since this is a serious matter, im willing to provide all the proof necessary without giving too much.Assistant: So if they stopped taking her payments she should have chunks of money she wouldve payed right?Human: She is embarrassed and isnt giving her kid the full truth. OP said that mom had trouble paying the mortgage after dad left, and it only worked out when the bank worked out some unknown deal. Im assuming the deal was some kind of temporary relief and now the deal is up and they are back to not being able to afford the payments, leading to the foreclosure. Assistant: She found out about the 4k thing October and didnt tell me until yesterday .. im going back forth to my room asking her these questions and i just argued with her about why she didnt tell me. Every time i bring up this convo she cries and doesnt want to talk about it. But im kinda forcing this now you know CAUSE I HAVE 2 WEEKS TO LIVE HERE. Human: She doesnt want to disappoint you. I can totally understand why she would be ashamed about this issue. Its important that you guys support each other now, though. No point in arguing about mistakes in the past. Time to move forward. Its incredibly clear that she cannot afford the house. So now you look to your options without the house. Assistant: and thats why im writing here asking .. what are our options without the house? I told her the truth is she cant afford to live here .. all of this is hard to talk about and im taking it easy but i also have to be realistic with her.  <response>: You need to find out if the house is in foreclosure. If yes, there is a process the bank has to go through to evict you. It commonly takes 1 to 2 years to get through the courts. There is paperwork that must be served to your mom by a process server. She has to sign an affidavit that she is receiving it. Call legal aid and make an appointment with an attorney ASAP. They will represent you on a sliding scale for payment. Depending on how far into this process things were before your mom told you about it you may not be in as much jeopardy as you think. There is also a program where you can give the house back to the bank and walk away. They have even paid people as much as 5000 to surrender the home. I know Bank of America will do this if you qualify for it. There are options but you need an attorney. 