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However, he said that it is true that BofA can still foreclose on the home anyway if I do not continue paying on the second. So, all this appears to be a quirky technicality of the BK laws. He said that the BK just means that I am not obligated to pay it. He said that the CA judges have no problem doing that. However, the attorney said that I will have to wait to file the 13 after the 7 until the title on the permanently modified first has been recorded with the county. BofA was dragging their feet on this, too, but I just received the Recission of Foreclosure notice from the county, and the CSR states that the recording of title is in process with the county, but they do not know how long it will take. After I receive the notice of recording, I can move ahead with the 13 after the 7 to strip the second.

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 am working with NACA and they say they cannot help me because they cannot seem to run a credit report. I have been in touch with experian and they say they do not know why NACA is having trouble running the report.

Also when I went to a HUD counselor and they pulled the report from experiasn right away. I would work with the Loan mod center here, before I would work with anyone else. I am crossing my fingers that I get a favorable answer. I have been denied a modification three times from Wells Fargo (investor HSBC). The good news is HSBC has finally begun to offer permanent loan modifications because for YEARS they only offered temporary 1-3 year mods. I wish you the best my friend and NACA is an excellent organization!

The comments by me bad credit loans no guarantor 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 louisiana payday loans the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today.

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 attended the NACA event in Philadelphia on 7-25-2013. I met with my servicer and they said everything looks good. They have to do a drive by appraisal to make sure I still live in property. I ahve been calling and on 8-16-2013 I called wells and they still had not done the drive by.


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So I called 8-20-2013 and they say I am denied and removed my file from review. MInd you I get a letter in the mail inviting me to go to the Wells Fargo Home Preservation event. Am I at my last resort and being force to declare bankruptcy. I attended the NACA event in Philadelphia on 7-25-2013. I met with my servicer and they said everything looks good. They have to bad credit loans no guarantor do a drive by appraisal to make sure I still live in property. I ahve been calling and on 8-16-2013 I bad credit loans no guarantor called wells and they cashmax payday loans still had not done the drive by. So I called 8-20-2013 and they 1000 dollar loan with bad credit say I am denied and removed my file from review. MInd you I get a letter in the mail inviting me to go to the Wells Fargo Home Preservation event. Am I at my last resort and being force to declare bankruptcy.

The first thing you need to do is determine why they turned down the modification so you can be bad credit loans no guarantor prepared to file an appeal and get your account back in review asap! Call in today to find out exactly what has happened and always remember to use BK as a VERY last resort, you still have time to work out an agreement. 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 bad credit loans no guarantor are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer You need to get on the phone and wear them out!! Do not stop calling until you get the information you are looking for. Without knowing your circumstances I would think you should have plenty of options still. As Evan mentioned, I would use BK as a very last resort. If you can post more details of your situation we may be able to give you some better guidance and direction. 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 just read that starting in July 2013 Federal Housing and Finance Administration has streamlined a program that if the mortgage is backed by Fannie or Freddie you should be getting a letter stating that if you make 3 trial payments your loan will be reinstated. On my NACA it says that my investor is Freddie Mac. So would this hold true for me and is this a legitimate fact. I just read that starting in July 2013 Federal Housing and Finance Administration has streamlined a program that if the mortgage is backed by Fannie or Freddie you should be getting a letter stating that if you make 3 trial payments your loan will be payday loan direct lenders reinstated.

On my NACA it says that my investor is Freddie Mac. So would this hold true for me and is this a legitimate fact. 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 Privacy Policy and Legal Disclaimer Get free mortgage help today. 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. What IS positive is the help I got from Kevin Winn.

I just wanted to report some positive feedback about my experience with NACA.

Not that I have received positive response back from my servicer, but just that I am getting responses back from NACA in a reasonable amount of time. On Feb 10th at 2pm, I sent an email to NACA requesting some assistance regarding a conversation I had with my servicer that same day. At 4:30pm I received an email response from NACA stating that they would look into the situation the next day. On Feb 11th poor credit loan at 10:30am I received a phone call that read Out of Area or unknown caller. I spoke with the bad credit loans no guarantor representative about my problem, which I have a link in my sig to the issue, she took down the information and followed through with contacting my servicer. I verified that by logging in and looking at the correspondence section to see what her email said. So I see that at least for me, I have been getting responses from NACA, which is what everyone who is dealing with NACA wants. I did speak with the representative about loansafe and the amount of complaints in the forum about NACA.

She said that she was very well aware of this and they are working on a solution. She acknowledged all the issues with the phone system and admitted that basically, NACA was not prepared for the overwhelming response from this load modification program. And that they are putting things in place to address this situation but it is not going to be an over night success. She also said that the reason that many new people are appearing to get helped quicker than the older members is because NACA has learned from the mistakes of the older members. So they are going through huge growing pains with this loan mod process also trying to help the homeowners. But the gist of this is that no matter what, YOU have to stay up on YOUR OWN case just as many others have stated here. Any question I have is returned in about 3 days max. My name is Lea Dailey, and I applied for assitance with NACA bad credit loans no guarantor in October of 2009, when NACA assisted me in submitting a package to BOA for a six month forbearance on my loan in order to keep me in my home.


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To my dismay, I believe that my case fell of the radar so to speak. After receiving the official foreclosure notice, after many unsuccessful attempts to get someone at NACA to take a look at my file, and after months of trying to navigate the system with BOA on my own, I came to Loansafe looking for help. I posted a little bit about my situation in the NACA ANSWERS forum, and also emailed a few NACA contacts that I had seen posted in the forums, and was immediately contacted by William Cleves from NACA.

He was very understanding, and took the time to really review my situation, and made sure that everything was in order.

I just wanted to thank William for the time and attention he has given our case. He has made a very difficult time a little easier on my family.... This has been a long road for us, and I know cash advance locations that there are so many homeowners out there in the same position. And while they may not be able to help everyone.... I attended the August 2009 Save the Dream tour in LA - I stayed until 1am the Saturday they were there, met with my servicer, and was back bright and early the next day to talk with my servicer again. They very very patient, helpful, and a light of sunshine in our dark situation. I had been dealing with my servicer since February of 2009, and never got anywhere with them (IndyMac). NACA has only missed one of my many appointment (they called late and left a message on my answering machine, though). I stopped by the Los Angeles office and the staff there were very helpful as well. Without you, I probably would have lost my home by now or at the very least still nj loans be fighting with them to get on a trial mod. In my case if i never take the chances and wait 24 hrs in a warm miami street,in front of the convention center. And there meet my bank,then 3 months after have signed my papers. And have a better payments for the rest of the mortgage life. I heard of NACA and should have called them, but I went thru an Attorney and I am hoping for the best at this time. I would love to start seeing success stories for all us homeowners that are fighting to keep our homes. I went to the Save the Dream workshop in August 2009. Was given a special forebearance, but never got the paperwork for BofA.

Found LoanSafe and started emailing every NACA contact that anyone listed. I was put on a 6 month homesaver forebearance and I am just at the end of it.

I feel so very blessed, but it does seem too good to be true!!! I went to LA Convention center this last week, but have had a difficult time getting any responses from loans for no credit NACA recently regarding a solution for my mod. Where do we find NACA emails to contact them, this would be very helpful.