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Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Finally gave up and moved VERY far from work to Vallejo. I do not make a ton of money, but I managed to save 20 grand to put down on the house over about that many years. Presuming after I walk I will not be under attack from the banks or the IRS or State of Cal. Current mortgage at interest only is under 1000 for my house... Even if continuing to live in Vallejo is costing you 500 - 600 per month in gas traveling to work, you are still way ahead of the game. Two hours a day ONE WAY to the peninsula to work, then another 2-3 fast same day loans home depending on traffic.

If I wait, houses may again be out of reach for me, as they sort of were during the boom, which is what landed me here in Vallejo in the first place. Have done some tremendous soul searching since my last post. And today, went to visit the lawyer that Walk Away Mare Island recommended. The law dude made several good points about just getting on with it all and starting to rebuild, and in the end, I think this is what is best for me. In fact, I had this tremendous sense of relief just hearing some other person say, NO you ought to consider getting out sooner than later.

So many other posts, especially Underwater Vallejo, and Walk Away Mare Island, have helped me make my choices, and maybe my walk will help someone else. Since you already know that rent will significantly increase your costs, I recommend you try and play the HAMPster wheel and try and stay in your residence, rent free, for as long as possible.

Just try and work it so you can stay in there rent free for the next 12-16 months... It might be a little tougher as banks seem to be streamlining the process.

Still, there are plenty of great threads here that will offer suggestions as to how you can delay the foreclosure. I do understand your motivation for getting out of the neighborhood and shortening your 1 hour payday loans direct lender long commute. That way you can choose to avoid the commute to Vallejo whenever you choose to do so.

Needless to say, the rent on the pied a terre needs to be reasonable to make financial sense. Since you already know that rent will significantly increase your costs, I recommend you try and play the HAMPster wheel and try and stay in your residence, rent free, for as long as possible. Just try and work it so you can stay in there rent free for the next 12-16 months... It might be a little tougher as banks seem to be streamlining the process.

Still, there are plenty of great threads here that will offer suggestions as to how you can delay the foreclosure. That first missed payment is coming up and it all feels quite like the unknown. Pretty nerveux about missed payments from a person who has never missed a payment for anything. And maybe then will take your advice about renting my house out while the rest of the foreclosure takes place. It reads 264 days from notice of default to sale date. Or am I just plain brain dead in the math logistical department? It means from the date of the NOD until the date that the actual sale took place. Or, you might consider moving into your new rental down the peninsula, and renting out your payday loans norman ok place. And you will likely enjoy that income stream for many many months! I appreciate the hopefulness of the long term stay rent free. I have tried now on two different computers to re-enter the numbers and update my personal information, and Wells will have NONE of it. Am I being paranoid to think the bank has caught on that I may walk since I usually pay the first week of the month? I encountered the same issue with Chase some time ago. I tried several times to change the number online, but it never took. As far as pets are concerned, we have 2 cats and we had no problems renting a house. Yes, there were many questions, and the initial credit check denied both my wife and I.

You are, in fact, a more savvy financial planner than most people because you know when to let go of an investment.

Sometimes you just have to sell and take the loss rather than hold it hoping for it to come back up. STASH YOUR CASH and stay where you are as long as possible. Once the auction date nears, start looking for a rental... Keeping fingers crossed, but yeah, totally going to stay put by tooth and nail until the house goes up. There must be 30 calls from various debt collector types on there. Going to be interesting next week when BofA does not receive my payment for the first time like clockwork in six years. In fact, you might even experience a degree of spiteful joy, LOL.


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Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Now, my wifes name also appears on the foreclosure 1 hour payday loans direct lender posting as a defendant. Now, my wifes name also appears on the foreclosure posting as a defendant. TheRunning, these days, its pretty easy to pull information of someone..

It will depend on when you two got married, for how long, what state. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Now, my wifes name also appears on the foreclosure posting as a defendant. Now, my wifes name also appears on the foreclosure posting as a defendant. TheRunning, these days, its pretty easy to pull information of someone.. It will depend on when you two got married, for how long, what state.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Ok that is a big relief for a lot of us because we thought maybe the banks were changing their tactics. I now see that your situation is different that most.

Great to hear that they will waive right to deficiency judgement. I instant cash loans online hope someone can help me (or point me in the right direction or Loan Safe thread). We received a 1099-A today from the bank that foreclosed on our house. They checked box 5 that says we were liable for repayment of the debt.

Washington foreclosures are not recourse, though, right? There is a 40K difference between the balance of principal outstanding and fair market value. Unless they went judicial foreclosure then it should be NON-recourse.

Not sure how much it matters but some other question may be, was it a rental?

Interesting is that the bottom says Keep for your records which makes me hopeful for some best installment loans odd reason... I will send them a letter demanding a corrected 1099A and then see a tax expert. I read a post from Tom on another thread that suggested writing the letter to payday loans joplin mo the bank but not holding my breath waiting for a corrected 1099A.

I will send the letter certified and keep a copy to show we attempted to get it corrected.


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Update and question: Our sale date is in March and we best payday loans no credit check have found a rental and partially moved out. Looking forward to this long process finally ending! We purchased an older home in Walla Walla with his VA payday loans lafayette la loan almost 3 years ago thinking it would be a great investment because after the inspection we paid for, from what we and they could see, only minor updates and fixes were needed 1 hour payday loans direct lender that I was more than capable of handling myself. On top of that all, I was offered a employment in Texas. So unfortunately, we are seriously considering just walking away.

Does anyone know what the process is like for a VA mortgage? Will they go after my husbands VA disability if, when all is said and done, there is a deficiency? Having said that it may make him ineligible or at least lessen the amount that the VA would guarantee on any future VA loan. Just make sure to hire a property manager to RENT out your Walla Walla home while you are in Texas as this is FREE money until they foreclose which could be years down the road. We got a notice that 1 hour payday loans direct lender the trustee sale was rescheduled one month later. Odd thing is, we attended the first auction and our home was listed in the paperwork.

A few days later, the notice of continuance of the sale came, and it was postmarked the day of the auction.

Are banks allowed to try to auction it multiple times? I know liens cloud the title, but that should only affect the bank, not us, right? They can attempt another auction but if no sale it may revert back to lender. You are responsible for the HOA until the house is no longer in your name. Bank will take care of unpaid property tax but HOA is on the home owner until your name is off title. Update: The bank has now rescheduled the trustee sale FOUR times, and every time we get no fewer than 10 copies of the Notice of Continuance of Trustee Sale in the mail, with another 10 copies sent Certified Mail. Each time is a couple weeks after the last sale date and the notice is always mailed AFTER the sale. All I know is we are sure tired of this never-ending process and tired of paying the utilities for 2 places! They schedule and postpone over and over and over and over again.