I don’t know how it is in Romania but I figure it is similar to here.
If you don’t pay something here, you don’t go to jail.
But you still owe the money, and the bank becomes a collaborator to the owed party. So any money that comes into your account, goes automatically to the person you owe the money to.
You could ask the bank not to do it…but then you get notifications and whatnot, and it is like you are obstructing their work.
Secondly, anything you have, take it somewhere else. If you have your family’s help, take all clothes, furniture, electronics, everything, to their houses, their garages, etc.
You probably only owe the mortgage money…but the government here doesn’t care and they take everything from you.
Secondly, from now on, you’re never home. Never pick up the phone, don’t take any letter, don’t even let a messenger (a delivery man) outside get close to you, or anyone that wants to get close to you.
If you are ever in court, you never received a letter, message, e-mail, anything.
You definitely need to talk to a competent lawyer or group. If you go looking for lawyers to take care of your case, they will want to handle it individually and they only care about their profits.
So if you can, besides getting a lawyer to look at your case from a whole perspective, look for a group that specializes in debt…many lawyers here announce that they can cut all your debt or almost all, reduce to 50%, etc. But also look for “plans” where you pay every month and have some things “free”. It will be cheaper than just looking for one.
I have unlimited consults and advice just from my phone company and an insurance company that includes some lawyer stuff. Here they get included in many things so check what you can do.
Most lawyers here would give you the first consultation free.
Here prices can be looked by googling “lawyer school X (city you live in)”. Then you ask prices beforehand and if they ask for more or dont want to be clear you tell them that the lawyer school in your area has that price list for their services.
There are a lot of laws here you can take refuge in, to pay a lot less mortgage, lots of ways to negotiate straight with the bank, etc.
And there is a nifty one that came into being some years ago. With that law, what you can do is force a negotiation of the debt or you get all debts erased.
So say you know for a fact you are gonna lose your house (and maybe you owe money to more people, business, etc). If the people that you owe 60% of your total debt to agree on a reduction, the other ones have to take it.
If you only owe money to the bank for the house, your lawyers will negotiate. If they can’t get to an agreement (and this depends totally on how good your lawyer is), the judge erases all your debt. So you do lose the house, but they don’t take money as soon as it goes in your bank account.
Ask for this kind of stuff. You could get your debt reduced a lot and maybe your family would be willing to help for some time.
If not…well, you lose your house…but if that is a given already, you avoid the debt at least (like I said, the debt here is perpetual…you have it until you pay it…and still don’t get your house back).
So again, I don’t know if that exist there but it should or else the system there is very unfair.
If you owe a lot of money for your house, what you owe the government (for the judicial processes expenses) should be nothing…so hopefully things there are similar and you only need 60% of your debtors to agree.
I mean…you could try cheating the system too but usually it doesnt work out, judges aren’t dumb.
Also bear in mind other stuff they can take from you too…anything that is unpaid for like your car or even electronics and stuff…we often have more properties than we even know.
Justice for all, Sword of St. Michael. All intercessions. Mass meditation 24/7. Put any servitor you have to work too.
I’m sure some of the financial fields have something for these situations but I don’t know which one would be better…maybe wealth mantras…but I’m not aware of all of them.
I’d look for one that has some intercession or connection to deities.
I’m sure some major arcana is good for this too but Im not sure.
Temperance can help you keep yourself under control though.