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You could reach out to a RE lawyer to find out what the SOL is CA. The BK7 gives you more leverage as technically there is no mortgage and they do lose the ability to enforce the lien at some point. Each state is different but the SOL will come into play at some point. From my signature loans online no credit check research a SOL only restricts collectors from contacting you, it does not release the lien on the home.

Since this amount was included and discharged in my BK they cannot attempt to collect. But as I said earlier, if you do contact them, simply make an offer and nothing else. Ive been in similiar situation in Michigan for about 8 years now. There may be an advantage to having a real estate attorney look at this, but probably not until you are ready to sell or refi.

They are not like unsecured debt , which does have a SOL in Michigan. The value of the loan when its discharged in BK is ZERO. They can never collect on the debt, but could foreclose because they hold the lien. I had an excellent BK lawyer who explained everything to me and it turns out he was right about everything so far. Once a year, verify with your county register of deeds, who actually holds the lien bad credit unsecured loans guaranteed approval because they can be assigned or transferred without notice to you. Do not give out any financial info like yearly salary, where you work, balance on 1st mortgage etc... I do not intend to sell the property any time soon, but at some point I will have the 1st loan paid off and I do not want them to be able to foreclose. Are there samples within this form available to view? Well, it has been a while since I have thought about doing anything. With everything going on in the world these days, it has been the last thing on my mind.

Recently, however I received a letter from RTR providing me with 3 payments options before taking action on lien. Well, it has been a while since I have thought about doing anything. With everything going on in the world these days, it has been the last thing on my mind. Recently, however I received a letter from RTR providing me with 3 payments options before taking action on lien.


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No dollar value or percentage was presented in the letter, just wanting me to select an option. I guess to open the conversation to see what my intentions are with the home... Well, it has been a while since I have thought about doing anything. With everything going need money fast on in the world these days, it has been the last thing on my mind. Recently, however I received a letter from RTR providing me with 3 payments options before taking action on lien. The more disinterested you appear the better, even hinting you would be fine just walking away. The more disinterested you appear the better, even hinting you would be fine just walking away. They have called and sent letters requesting more financial information, but I always decline with a repeat of the offer only.

As you are aware, this loan has been discharged in Chapter 7 bankruptcy in 20XX and is not collectable. In addition, your claim of holding an enforceable lien after bankruptcy may or may not be valid. However, if it is valid, I am willing to make a settlement offer to release the lien and avoid any possible legal expenses to either of us. My financial situation continues to make it difficult to make ends meet.

Unfortunately, it will be impossible to repay the original loan amount, maintain the house and keep property taxes and utilities current. I have included a copy of the balance from the original creditor which was submitted during bankruptcy to verify the loan balance. They have called and sent letters requesting more financial information, but I always decline with a repeat of the offer only. As you are aware, this loan has been discharged in Chapter 7 bankruptcy in 20XX and is not collectable. In addition, your claim of holding an bad credit unsecured loans guaranteed approval enforceable lien after bankruptcy may or may not be valid.

However, if it is valid, I am willing to make a settlement offer to release the lien and avoid any possible legal expenses to either of us. My financial situation continues to make it difficult to make ends meet. Unfortunately, it will be impossible to repay the original loan amount, maintain the house and keep property taxes and utilities current.

I have included a copy of the balance from the original creditor which was submitted during bankruptcy to verify the loan balance. I sent the above letter and received a response from RTR (if you can even call it that). They simply provide a letter response that my dispute to the account is no longer owed due to bankruptcy.

They did not even recognize my offer to resolve the lien. So do I just resend the letter removing the In addition, your claim of holding an enforceable lien after bankruptcy may or may not be valid. I sent the above letter and received a response from RTR (bad credit unsecured loans guaranteed approval if you can even call it that).

They simply provide a letter response that my dispute to the account is no longer owed due to bankruptcy. They did not even recognize my offer to resolve the lien. So do I just cash advance payday loan resend the letter removing the In addition, your claim of holding an need cash now loan enforceable lien after temporary loans bankruptcy may or sell your may not be valid. You submitted an offer and they basically did not respond payday loans online direct lenders only to it. If you want to send another letter, include a copy of their original letter reminding them of the payment options they gave you. Do it by registered mail so you can verify it was received. Verify that the second mortgage was discharged in bankruptcy.

Since this was a second mortgage, foreclosure is unlikely. Yes, they could foreclose, but would also have to pay off the 1st mortgage. You are Michigan and so am I, so we have very similar experiences. I did not modify my first mortgage but stay current and have not paid on the second. In 8 years I have never received any foreclosure notices. A letter once a year shows that you are willing to settle and it is up to them to counter offer. Keep current on your 1st mortgage and unless you 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.


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I have a 2nd mortgage that was opened up approx 10 years ago. I filed for bankruptcy and thought it was taken care of. Well I am trying to refinance my home and their is a Lein on my property from Bank of America. I contacted them and they said they took over the load from countrywide. I explained I filed for bankruptcy and then said I would have to pay it off to remove the lein.

I have sent them all the info from my insurance company but still will not remove the insurance fees. They said I should have sent them my insurance info each year. I tried explaining I had no clue they took over the account from countrywide and never got a call from them.

I filed for bankruptcy and thought it was taken care of. Well I am trying to refinance my home and their small installment loans for bad credit is a Lein on my property from Bank of America.

I contacted them money now loans and they said they took over the load from countrywide. I explained I filed for bankruptcy and bad credit unsecured loans guaranteed approval then said I would have to pay it off to remove the lein. I have sent them all the loans for bad credit lenders only info from my insurance company but still will not remove the insurance fees. They said I should have sent them my insurance info each year.

I tried explaining I had no clue they took over the account from countrywide and never got a call from them. You are no longer legally liable for the debt, but the bank still has a lien on the property and that cash advance greenville sc lien must be settled or released if you want to sell or refinance.

However, you certainly can still negotiate a settlement. The bad news is they know you want to refinance, so probably wont be as willing to accept a low offer. Next, since this was discharged in bankruptcy, they legally cant talk to you about collecting the debt.