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You should contact your attorney to obtain advice with respect to any particular issue or problem. The personal loan calculators 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. My Quicken Loans agent overstated my income by 10K per month on a URLA. The scary thing is that Quicken Loans is who my servicer Green poor credit personal loans not payday loans Tree recommends I work with for a HARP refi. It was an obvious misstatement on his part as I clearly told him my salary and everything else I told him was correct on the app.

Now even though he has changed it back to my true income I am nervous about continuing the process with him. The tricky thing here is that if you signed the document where he had over stated the income that basically says you agree to that amount, you now may be complicit of the fraud.

This is whether they did it without your knowledge or not becauset he signed document with your name is what the courts would look at. The loan officer pumped up your income so you qualify and now that he brought it back down to the truth, you may not qualify.

The good news is that you caught it and called him out on it, but there may be bad news now because you may not qualify at your normal income. A loan officers main incentive is to sale and close loans and sometimes many are willing to bend or break laws in order to do so. When anyone does business with a professional like this, you need to read all paperwork and by all means do not sign something that is not right or a lie because when you do, you are now complicit in the fraud by just your signature. 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.

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. A couple of weeks ago Bank of America claimed they had bought the house I am renting and offered us a cash for keys deal.


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Never speaking to them personally just the realtor. She sent me the papers to fill out and fax, which I did. Yesterday an atty for US National bank assn sends me a letter stating that they bought the house on the same day that BOA claimed to. They even sent me what looked like an official copy of the title. I go on to our county site, and yes, they did buy it. My question now, was this a BOA scam (not really BOA)? I am trying so hard to get answers, but I get voicemails or I will call you back with more info. A couple of weeks ago Bank of America claimed they had bought the house I am renting and offered us a cash for keys deal. Never speaking to them personally just the realtor. She sent me the papers to fill out and fax, which I did. Yesterday an atty bank personal loans bad credit for US National bank assn sends me a letter stating that they bought the house on the same day that BOA claimed to. They even sent me what looked like an official copy of the title. I go on to our county loans for people with very bad credit site, and yes, they did buy it.

My question now, was this a BOA scam (not really BOA)? I am trying so hard to get answers, but I get voicemails or I will call you back with more info. This is someone who is acting like BOA to get you out so they can get the Cash For Keys from the real owner. Watch the scams and before you fill ANYTHING out and sign CHECK IT OUT! Yes I agree with Jeffrey it definitely sounds like a scam. What fax number, telephone number, and mailing address did they provide you? 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 Privacy Policy and Legal Disclaimer Omg! I have tried all day to get in touch with the Atty for the bank that actually did purchase the property. Unfortunately I did sign papers before, with these people claiming to be BOA. I was a little suspicious before, even though all looked legit.

I had called the number that was on the forms, just to see if it was BOA. When I called today legit personal loans for bad credit and actually spoke to someone, all she would say is I see your address in our inventory. When the real owner has come forward, what can this bogus BOA do, except try identity theft, uggh. The fax number is 866-504-0940 Bank of America Reo Pre Marketing,TX2-983-03-05, 2375 N. Glenville Drive, Richardson TX 75082 I would tell them they have illegally scammed you and you have called the sheriff and that bank personal loans bad credit you will not leave the home.


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They are a real estate company with Bank of America as part of their name.

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 got a letter from the OCC banksters saying my complaint was received and but will be reviewed under the Independent Forclosure Review. I bank personal loans bad credit do not have a current complaint as one was filed by my state on my behalf in 2010 and was disapproved. I got a letter from the OCC banksters saying my complaint was received and but will be reviewed under the Independent Forclosure Review. I do not have a current complaint as one was filed by my state on my behalf in 2010 and was disapproved. I received the same letter although I did file a complaint with the OCC. I was in a foreberance agreement and they initiated foreclosure at the same time (dual tracking). They have destroyed hundreds of bank personal loans bad credit years of property law, I just dont get why people are not more outraged over this? I Wish you the best been a long time lurker here, your posts have been of much interest keep up the fight our forefathers would be proud. I received the same letter although I did file a complaint with the OCC. I was in a foreberance agreement and they initiated foreclosure at the same time (dual tracking). They have destroyed hundreds of years of property bank personal loans bad credit law, I just dont get why people are not more outraged over this? I Wish you the best been a long time lurker here, your posts have been of much interest keep up the fight our forefathers would be proud. Those that are not in foreclosure have lost a lot of equity in their properties because of this scam. The bad credit unsecured personal loans biggest transfer of weath in the history of the U. There are companies talking about claiming homes through eminent domain. If the government allows that the banksters can take everybodies homes... The assignment was from Sand Canyon Corp to US Bank. Caveat Sand Canyon Corp President in a Federal court deposition stated that Sand Canyon was out of the Mortgage business as of March 09, My fraudulent assignment occured on April 2010. The local superior judge did not feel that the assignment was flawed and therefore awarded summary judgment to US Bank.

I want to send a copy of the assignment to OCC along with the Federal deposition of the President and ask them to investigate the assignment.

I also intend to try to get the attorney generals office involved. I am now attempting to hire an attorney to appeal the superior courts decision however appeals are costly and most fail. Sorry to hear of your unfortunate MSJ loss to US Bank. FWIW, I agree with your opinion about the cost and outcome of appeals.


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About OCC complaints, I was under the impression those were sent to the main office in DC, or done online. The OCC forwards the complaint to the bank, along with a directive to investigate the matter. So then the bank investigates itself, and voila, guess what? The bank finds no evidence of wrongdoing, and exonerates itself, LOL. That is reported to the OCC, who then notifies the complainant of the findings of their investigation. Sorry to hear of your unfortunate MSJ loss to US Bank. FWIW, I agree with your opinion about the cost and outcome of appeals. About OCC complaints, I was under the impression those were sent to the main office in DC, or done online. The OCC forwards the complaint to the bank, along with a directive to investigate the matter. The bank finds no evidence of wrongdoing, and exonerates bank personal loans bad credit itself, LOL. That is reported to the OCC, who then notifies the complainant of the findings of their investigation.

Ive had this house mortgage for 12 years and I owe more now than ever. I do not have the extensive advance money knowledge that the two of you have in these foreclosure matters.

But am trying to educate myself with all the great information on this site. You seem to be a lot farther in the foreclosure process then we are. Trying still desperately to get modified and looking to do anything to keep our home. We have just recently received an intension to foreclose certified still within the 33 day expiration. We have also received another letter by regular mail only... Any information we obtain will be used for that purpose. If you have previously received a discharge in bankrubtsy, this is not and should not be construed to be an attempt to collect a debt, but only enforcement of a lien against property. Under New Jersey law a state court foreclosure action is quasi in rem only, meaning against property, rather than for a personal judgement. They are also showing the total unpaid principal and all arrears and direct lender cash advance fees for a grand total as the debt owed. Your creditor US BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR BEAT STEARNS MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-5. Unless you dispute the validity of the debt or any portion thereof, within thirty days after receipt of this notice, the debt will be assumed to be valid by our firm. I you notify our office in writing within the thirty day period that the debt or any portion of thereof is disputed, we will obtain and provide you with verification of the debt by mail. Upon your written request within the thirty day period, our office will provide you with the name and address of the original creditor, if different from the current creditor.