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I would have done it differently but this was their choice. And anyone else who has to deal looking for personal loan with them has quite a fight on their hands. The final part: They settled with PPR and are making monthly payments on the old mortgage - They wanted to keep their home. They get to keep bad credit loans direct lenders only the home and should they decide to walk away at some later date they have no financial risk. Once they settled they no longer had a need for the Chapter 13 therefore the dismissal was very appropriate. This may not be the perfect outcome but it does work.

Breaks my heart as our credit was very good and all bills were on time and had a little savings. 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. I included my share of my home in my bankruptcy that was discharged in 2014. I received notice that there is a hearing for my foreclosure next month. My bankruptcy lawyer informed me that I do not need to attend but that I should work with the commissioner that they assign (that is the last piece of advice he has given me). I am planning on vacating the home prior to the hearing and have no desire to deal with the home. I accepted it as lost when my ex-husband refused to cooperate with my mortgage modification.

I would like to know if I will be financial or legally liable for anything once I leave? Do I need to notify anyone (homeowners association, bank, etc)?

I am ready to close this chapter but I want is closed with nothing following me. I received notice that there is a hearing for my foreclosure next month. I would like to know if I will be financial or legally liable for anything once I leave? Do I need to notify anyone (homeowners association, bank, etc)? You have no obligation to notify anyone however, if you vacate it would be nice to notify the lender so that it can secure the property from vandalism or injury to a trespasser. The only thing you are responsible for is the HOA until such time as title to the home transfers to either the investor who purchases it at foreclosure or the lender once the property is foreclosed (and any applicable redemption period expires - depending upon state law). If you want out sooner you need to discuss with the lender a deed in lieu of foreclosure. But post-filing HOA fees are still owed and as long as the property is still in the yourname violations and fines are still the responsibility of the owner. The US bankruptcy code says that all fees or assessments that become due and payable... However, many HOAs will not aggressively pursue collection against the homeowner.

The comments by me and the materials available at this web site are for informational purposes bad credit loans direct lenders only only and not for the purpose of providing legal advice.

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.

Are you having trouble making your home mortgage payments? Get all the facts before you pay someone to help you work out your mortgage problems. Bankruptcy foreclosure scams target people whose home mortgages are in trouble.

Scam operators advertise over the Internet and in local publications, distribute flyers, or contact people whose homes are listed in the foreclosure notices. Sometimes they direct their appeals to specific religious or ethnic groups. These scam operators may promise to take care of your problems with your mortgage lender or to obtain refinancing for you.

Sometimes they also ask you to pay your mortgage payments directly to the scam operator. They may even ask you to hand over your property deed to the operator, and then make payments to the operator in order to stay in your home. But instead of contacting your lender or refinancing your loan, the scam operator pockets all the money you paid, self employed loan and then files a bankruptcy case in your name, sometimes without your knowledge. A bankruptcy filing often stops a home foreclosure, but only temporarily.

If this happens, you will lose the money you paid to the scam 1 hour loans for bad credit operator AND YOU COULD LOSE YOUR HOME.

You will also have a bankruptcy listed on your credit record for years afterward. Collects a fee before it provides services to you, unless you are directly dealing with an attorney that will require a get loan now retainer fee to represent you. Your state or local bar association may be able to help you find low-cost legal help. If you think an individual or company is running a mortgage foreclosure scam, contact the local office of the United States Trustee.

The United States Trustee is a Justice Department official who monitors the bankruptcy system.

Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with poor credit loans online respect to any particular issue or problem. The opinions expressed at or bad credit loans direct lenders only 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 cash loan no credit check with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Bankruptcy is stressful enough without someone representing you. You must cover all of the debt bases with you bankruptcy. I would never get a download from the website link you have posted. I filed my own Pro Se bad credit loans same day responses when my house ended up in foreclosure, but I may be over my head with this. But I do remember showing up in court, and there being about 15 people in front of us that were also filing bankruptcy. Interesting enough, the judge asked her if she had filed bankruptcy before and she said yes.

So she may have felt more comfortable doing it on her own since she has filed multiple times. Especially if its your first time filing bankruptcyWhen I was shopping around for a bankruptcy attorney and asked an attorney about doing it yourself. His quote was You can peform brain surgery youself, but would you want to? On bkforum, it seems like trustees go a little harsher on pro-se filers.

Also it appears that BOA is finally budging and allow homeowners to negotiate the principle on primary loans (per an NPR report I heard today). I think the mental block I was having was with filing CH 7.

After talking to another attorney I feel more comfortable filing 13 for my particular situation and financial goals. Petition preparers CANNOT give you legal advice or decide wich chapter is right for you. Your options are consult a BK attorney to see which chapter would suit you best, buy the Nolo BK books and hire a petition preparer to do the docs. Since you plan on asking the BK court to strip your 2nd, I presume you know that, pursuant to the Bankruptcy Reform Act of payday loans oregon 2005, a BK court cannot strip a 2nd on a primary residence in Ch13. Since you plan on asking the BK court to strip your 2nd, I presume you know that, pursuant to the Bankruptcy Reform Act of 2005, a BK court cannot strip a 2nd on a primary residence in Ch13.

BAPCPA does not stand for the proposition that one cannot strip off a wholly unsecured mortgage on a residence. Advising someone to move bad credit loans direct lenders only out of their residence and turn it into a rental (on the eve of bk) so that one can accomplish a cramdown (different than a strip off) is bad advice. Manipulating the system like this would be bad faith and, perhaps, perpetrating a fraud upon the creditor and the court. Now, if someone moved out of their home and turned it into a rental long before filing, without the requisite intent to screw the creditor, that would be a different story.

Advising someone to move out of their residence and turn it into a rental (on loan without credit check the eve of bad credit loans direct lenders only bk) so that one can accomplish a cramdown (different than a strip off) is bad advice. Manipulating the system like this would be bad faith and, perhaps, perpetrating a fraud upon the creditor and the court.


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Now, if someone moved out of their home and turned it into a rental long before filing, without the requisite intent to screw the creditor, that would be a different story. What I want to say here is the individual person responds to the system , as the system affects them. If a system is corrupt within and the government is also corrupt of which controls the system, what would one expect from the individual and would such a fraud really be relevant to a fraud?

Fraud is a nasty word and is very hard to prove in the courts.

The system has affected people to come to this site to get help. Jeffrey What I want to say here is the individual person responds to the system. Fraud is a nasty word and is very hard to prove in the courts. Just because one thinks, right or wrong, that the system is corrupt, one should not stoop to such level. People are emotionally distressed and do come seeking help. Such is exactly why they need to be led down the correct path and given information that is not going to make their lives more of a mess. As it relates to what I do in life and converting a homestead to rental property, I can tell you that the 1st thing the lender asked in a recent case my firm was handling was, So. Can tell you that the answer was two years ago and that is when the property was turned into a rental. With that in mind, we have just finalized a stipulated cramdown of the property and are on the verge of confirming the 11 Plan.

They bad credit loans direct lenders only know how this is played and are more likely than not to catch any debtor who attempts to game the system. As one astute judge recently stated in a ruling, About half of the practice of a decent lawyer consists of telling would-be clients that they are damned fools and should stop. Just because one thinks, right or wrong, that the system is corrupt, one should not stoop to such level. Yes that is a correct quote of the adage, however I was stating as the system has gotten corrupt over the years and people have gotten used to dealing with a corrupt system. People are emotionally distressed and do come seeking help. Such is exactly why they need to be led down the correct path and given information that is not going to make their lives more of a mess. People make their own decisions in this mess most just want to vent. This site as far as being perfect is far from it but it is pretty much right on advice in alot of these threads.