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I am not an attorney and my comments should not be used as any type of legal advice. Seek your own attorney in your own state to best protect your rights. The comments by me and the materials loan til payday available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is private lenders for personal loan 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. Please small short term loans Read our yep, I was hoping to avoid having to reaffirm, but am prepared to do so if it means keeping my home. On the plus side, reaffirming the mortgage would help me rebuild credit I do not blame you. Just please make sure this is true with your lawyer. But yes, rebuilding your credit is the plus side in all this. The comments by me and the materials available at this web site are for informational purposes 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. Please Read our you are not suppose to be able to reaffirm a debt that was discharged in bk without the bk court approval. A true reaffirmation has to happen within a specific time frame before discharge, filed with the court and approved by the judge. I believe we will see challenges to these so called reaffirmations in the next couple years due to the untimely way these are being handled. I am not an attorney and my comments should not be used as any type of legal advice.

Seek your own attorney in your own state to best protect your rights. 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. Be concise and to the point regarding your request. Be sure to include your name, loan number(s), and a phone number where you can be reached. You can expect to hear back from a customer advocate with the office of the chairman within 24 - 48 hours of sending your email. When you do get the call, it will likely come up on your caller ID as out of area personal long term loans , no name , or unavailable. While you are waiting for a call from a customer advocate, start gathering your information.


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You will be asked to send in a hardship affidavit and possibly the IRS Form 4506-T (available here: ). You will also be asked for 2 most recent pay stubs (or other income documentation), last 2 months of bank statements, and a list of monthly expenses. One forum member (Garry), has recommended going to a local Bank of America Home Loans branch and have them fax over your request. I also recommend following up with your customer advocate to confirm your fax has been received. You can then expect another phone call from your customer advocate. Your customer advocate will give you a timeframe (could be within 24 hours, could be within 1 week). Please note that some negotiators will be in direct contact with you over phone or email and others will tell you to communicate only with your customer advocate. Whatever they tell you to do is what you should do. Once you log in, you will see in the upper left corner of the screen, Account Options and under that, My account summary. Click on My home loans to retrieve your account information. You will now find an expanded menu bar on the far left of your screen. Scroll down to Financial hardship and click on Workout information. You will see two sections, Documents Received and no fee payday loans Current Workout Status. Under the workout status, you should see detailed information that your file is under review and a date when more information will be available (and instructions not to call before that date). I believe the intention here is to avoid excessive phone calls and give them adequate time to process your request. You may not see anything under Documents Received yet. It does take some time as the information you faxed must be scanned and uploaded into the system.

We may have received additional documents recently sent to us that have not been processed and therefore do not appear in the list. Please do not call us to check the status of a document not showing in the list as our representatives will not be able to provide any additional information than what is shown here. During the review process, a thorough examination and analysis of your will be completed. During this time, we may or may not need additional information from you. It is common that you will not hear anything from us during the review period, but please be advised that all collections activities have been temporarily suspended during this review period. Please respond promptly to any calls or requests that you may receive from us during this period.

Lack of response will cause your workout to be delayed or cancelled. If you have general bad credit loans instant decision no brokers questions, post them on the forum. The negotiators are obviously dealing with a large volume of requests. Be sure to also post your story and update others on your progress. I tried to access the site, but there is no record for my mortgage.


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Do you have to have a Countrywide Thank you for so much useful information. I tried to access the site, but there is no record for my mortgage. Mine is with BofA and I tried on their site, but did not see anything there either. I would email tech support to question why your account is not showing up online (there should be a link for that somewhere on the website). I cannot see any information about the modification status online. It appears that it is only customers with CW, now BoA that can see this information.

I tried and tried and gave up on looking up the status. When I called last week the phone rep told me that he could see that my Thank you for so much useful information. I tried to access the site, but there is no record for my mortgage. Mine is with BofA and I tried on their site, but did not see anything there either. My mortgage is 2,2951 (first , second, tax and ins). Going this route (Office of the President) only works if you are NOT being represented by NACA. I have tried this and have been told twice that OOP cannot assist homeowners who are using NACA. Going this route (Office of the President) only works if you are NOT being represented by NACA. I have tried this and have been told twice that OOP cannot assist homeowners who are using NACA. This worked we were 9 days out from our sale date and even though I have a Countrywide loan they called me assigned a senior negotiator and we came up with an affordable in less then two weeks. Thank you so much for posting the information, this made our year. This worked we were 9 days out from our sale date and even though I have a Countrywide bad credit loans instant decision no brokers loan they called me assigned a senior negotiator and we came up with an affordable in less then two weeks.

Thank you so much for posting the information, this made our year. I am glad to hear you were able to get assistance and so quickly. Also make sure that your modification does get implemented and that you get a signed copy of it from them.

There have been many reports, especially concerning the AG settlement mods, where people bad credit loans instant decision no brokers bad credit loans instant decision no brokers have sent in notarized mod agreements that were offered to them and they have sent in payments and STILL these mods have not actually gone into effect. So please follow up and make sure that they are holding up their end of the deal!

Best wishes to you for a bright future that is free of the stress that this housing disaster can bring on! Be concise and to the point regarding your request. Be sure to include payday loans in portland oregon your name, loan number(s), and a phone number where you can be reached. You can expect to hear back from a customer advocate with the office of the chairman within 24 - 48 hours of sending your email.

When you do get the call, it will likely come up on your caller ID as out of area , no name , or unavailable. While you are waiting for a call from a customer advocate, start gathering your information. You will be asked to send in a hardship affidavit and possibly the IRS Form 4506-T (available here: ). You will also be asked for 2 most recent pay stubs (or other income documentation), last 2 months of bank statements, and a list of monthly expenses. One forum member (Garry), has recommended going to a local Bank of America Home Loans branch and have them fax over your request. I also recommend following up with your customer advocate to confirm your fax has been received. You can then expect another phone call from your customer advocate. Your customer advocate will give you a timeframe (could be within 24 hours, could be within 1 week). Please note that some negotiators will be in direct contact with you over phone or email and others will tell you to communicate only with your customer advocate. Whatever they tell you to do is what you should do. Once you log in, you will see in the upper left corner of the screen, Account Options and under that, My account summary. Click on My home loans to retrieve your account information. You will now find an expanded menu bar on the far left of your screen. Scroll down to Financial hardship and click on Workout information. You will see two sections, Documents Received and Current Workout Status.

Under the workout status, you should see detailed information that your file is under review and a date when more information will be available (and instructions not to call before that date). I believe the intention here is to avoid excessive phone calls and give them adequate time to process your request. You may not see anything under Documents Received yet. It does take some time as the information you faxed must be scanned and uploaded into the system. We may have received additional documents recently sent to us that have not been processed and therefore do not appear in the list. Please do not call us to check the status of a document not showing in the list as our representatives will not be able to provide any additional information than what is shown here. During the review process, a thorough examination and analysis of your loan will be completed. During this time, we may or may not need additional information from you. It is common that you will not hear anything from us during the review period, but please be advised that all collections activities have been temporarily suspended during this review period. Please respond promptly to any calls or requests that you may receive from us during this period.