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Please Read our Privacy Policy and Legal Disclaimer I need guidance. I went ahead and applied for a modification and after one year Citibank finally approved it for my second. In August 2012 they stated I needed to make a payment by October 5, 2012 and then they would send my the documents for the reduced interest and payment of which to this day I have never received it. I call them every two weeks and they state they will look into it. I called the automated number and they state the new balance and the payment due on November 1, 2012 but no past due amounts or anything. This would make the second time this was modified and would love to have them send me a Dodd-Frank Certificate since I am under water with even the modified second. I went ahead and applied for a modification and after one year Citibank finally approved it for my second. In August 2012 they stated I needed to make a payment by October 5, 2012 and then they would send my the documents for the reduced interest and payment of which to this day I have never received it. I call them every two weeks and they state they will look into it. I called the automated number and they state the new balance and the payment due on November 1, 2012 but no past due amounts or anything.

This would make the second time this was modified and would love to have them send me a Dodd-Frank Certificate since I am under water with even the modified second.

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 Is there any hope for a 2mp for me?


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I have been following up - daily-weekly-monthly- on the 2MP ever since. After about a year, I was told there was an address mismatch. The HELOC had the old county address, which was changed long before we bought the house.

I had to get a letter from the postmaster general, which took me about 6 months to do, stating the address was changed. They could not use common sense, or the fact that we are the only house on our street in the city. I have faxed in the MHA loan papers numerous times. This year, I am told mostly that the 2mp is generated automatically by the government, and B of A has no control over it. Or they tell me to apply for an in-house modification. We night not be under water with our mortgage any more, now with housing prices going up a little. Financially, we are in a better position that 3 years ago, but it is the principle of the matter.... I qualified for the 2MP, basic bank accounts online and was not given the offer, despite great time and effort on my part. I have been following basic bank accounts online up - daily-weekly-monthly- on the 2MP ever since. The first year of calls, I was told be patient, it could take up to 3 months 6 months a year. After about a year, I was told there was an address mismatch. The HELOC had the old county address, which was changed long before we bought the house. I had to get a letter from the postmaster general, which took me about 6 months to do, stating the address was changed. They could not use common sense, or the fact that we are the only house on our street in the city.

I have faxed in the MHA loan papers numerous times. This year, I am told mostly that the 2mp is generated automatically by the government, and B of A has no control over it. Or they tell me to apply for an in-house modification.

We night not be under water with our mortgage any more, now with housing prices going up a little. Financially, basic bank accounts online we are in a better position that 3 years ago, but it is the principle of the matter.... I qualified for the 2MP, and was not given the offer, despite great time and effort on my part. I recommend you immediately stop making payments on the HELOC. FYI, 2MPs are never as good for the borrower as a settlement.

I am working hard to increase my credit score- now just over 700, so hesitate to stop payments, but I will read the other threads. Tom, I have begun to follow your strategy for my 2nd mortgage.

While I was waiting for the letter for me to sign come to my mailbox, they backdoored it to the collections department.

I really feel this was horrible and when I spoke to the collections lady she said I should get over it. I gave them no information and I have no plan in talking to them. I plan on waiting on settling this and saving up money for this?

If they do reach out with an offer, will it be by phone or letter? Tom, I have begun to follow your strategy for my 2nd mortgage. While I was waiting for the letter for me to sign come to my mailbox, they backdoored it to the collections department. I really feel this was horrible and when I spoke to the collections lady she said I should get over it.

I gave them no information and I have no plan in talking to them. I emergency cash advance plan on waiting on settling this and saving up money for this? If they do reach out with an offer, will it be by phone or letter? Your plan to settle is sound - I commend you for that. A lender will usually send a settlement offer by mail. However occcasionally a lender will call and leave a message stating they have an offer for you. If that occurs, I recommend you call the person back. In either case, I recommend you submit your counteroffer only by mail. I expressed my desire to settle, bu no body is calling me to settle yet. I know it takes time, and I do not want to miss applying to the the HAMP and try to have my citi heloc extinguished or settle through this 2MP program. I expressed my desire to settle, bu no body is calling online payday loans instant approval basic bank accounts online me to settle yet. I know it takes time, and I do not want to miss applying to the the HAMP and try to have my citi heloc extinguished or settle through this 2MP program. Couple of questions 1- Should I wait for citi to call me and settle or Should I apply to the HAMP? I expressed my desire to settle, bu no body is calling me to settle yet.

I know it takes time, and I do not want to miss applying to the the HAMP and try to have my citi heloc extinguished or settle through this 2MP program. I stopped paying my citi heloc May 2012, basic bank accounts online it was charged-off Feb. I am confused, because it seems like Real Time Resolutions needs approval from Citi heloc to do anything or negotiate Even billing statements ask for checks to be made to Citi. Can Real Time Resolutions collections FC on my house, do I still have a change to Settle with Citi? 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 stopped paying my citi heloc May 2012, it was charged-off Feb. I am confused, because it seems like Real Time Resolutions needs approval from Citi heloc to do anything or negotiate Even billing statements ask for checks to be made to Citi.

Can Real Time Resolutions collections FC on my house, do I still have a change to Settle with Citi? I just want to mention that the criteria for me to have been approved for this Hamp, which I met when I applied, no longer exists... I am no longer employed and earning the amount of income that I did when I applied for the Hamp. But, I am hoping that once a Hamp is PERMANENT then it is PERMANENT! Because I have no problem paying this new modified loan and will continue to be current. I am writing compare payday lenders on this forum because I also have a Heloc with the same Bank Citi, which I also have not paid online loans direct lenders in some 3 years. The thing I have followed, if I understood it correctly, was to NOT make any contact with the bank and just let it be for awhile.

I must confess that I have received many voice mails from CitiMortgage over the past 3-4 months and I have not responded to what are installment loans any of them. From what I have read about the 2MP program, one of the main things that stuck out at me was that any information for modifying a 2nd under 2MP is based on the NPV report that was used for the 1st loan Hamp mod. At that time I thought that it was way too low but had a gut feeling that I should just leave it alone and let them stay with that figure because in the future it might come back to help me... If it is true that they use the NPV report from the 1st lien Hamp when analyzing the 2MP mod, then it will show that I am underwater, which is what I e signature loans want them to think. Since I am no longer employed, as I was at the time of my 1st Hamp application it would be extremely difficult for me to start paying another monthly loan. Obviously I would love to get this Heloc extinguished.... If I do end up speaking with them at some point, do I let them know that I am no longer employed or is there any chance that would put my 1st loan mod in any danger?