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Im still working with bank on a settlement offer and getting the lien released, but not worried about foreclosure since I am current on the first mortgage. You can have quick cash payday loan a search done on your property to see what liens are there. That way you know for sure if BOA actually has a lien or they simply are best online personal loans telling you they have a lien.

Since cheapest loan rate your bankruptcy was 4 years ago, you never know if someone at BOA already released it. Thanks so much , really after I read your answer I tried to get more info about my 2nd mortgage, Now according to the web page I paid to check the liens on the house, it says 0 no liens, so both mortgages are paid in full on the credit report and no liens in the house.

I did talk to the bankruptcy attorney and she says as long I am making my payments I will be ok.

You may want to talk with title to make sure about the liens on the house, for it to not show your first lien tells me something may be wrong with the report that you ordered. In regards to your original post as well about the loans not being included in bankruptcy - you may want to look further into this as well because in most cases homes are thrown in with everything else during a chapter 7 BK. This would cause your mortgage to not show up on the credit report, that is another tell tale sign you have it included in BK. Yes your attorney is correct, as long as you are making payments on the lien you are not subject to foreclosure.

As Jzone mentioned above, the only way the 2nd could foreclose is if they pay off the 1st lien prior to foreclosure. I may have missed small loans fast something but why are you concerned about foreclosure?

Has something happened to cause the mortgage to be unaffordable and now may be difficult to pay?

You may want to talk with title to make sure about the liens on the house, for it to not show your first lien tells me something may be wrong with the report that you ordered.

In regards to your original post as well about the loans not being included in bankruptcy - you may want to look further into this as well because in most cases homes are thrown in with everything else during a chapter 7 BK.

This would cause your mortgage to not show up on the credit report, that is another tell tale sign personal loans monthly payments you have it included in BK. Yes your attorney is correct, as long as you are making payments on the lien you are not subject to foreclosure. As Jzone mentioned above, the only way the 2nd could foreclose is if they pay off the 1st lien prior to foreclosure. I may have missed something but why are you concerned about foreclosure? Has something happened to cause the mortgage to be unaffordable and now may be difficult to pay? Yes, if you are current on 2nd, they certainly will not settle. I was best online personal loans actually told by my second mortgage holder that they would not even forward my account to a specialist until it was 90 days past due. Thanks so much , really after I read your answer I tried to get more info about my 2nd mortgage, Now according to the web page I paid to check the liens on the house, it says 0 no liens, so both mortgages are paid in full on the credit report and no liens in the house.

I did talk to the bankruptcy attorney and she says as long I am making my payments I will be ok.

What website did you go to and find your information about no liens on the house? The ONLY info that is going to be accurate is from your county register of deeds. You would definetely have a lien from your first mortgage.

Thank you so much to both of you, this means a lot to me. I am going to the Register of Deeds today or tomorrow to check out the lien thing by myself. I am up to date for both mortgages, but because they did all the charged off without notified me, I was concern about the foreclosure and I asked the lady and she said that it can still be possible, that the best way was to refinance.

That is why all my confusion, I know BOFA added it at the time best online personal loans of the bankruptcy certain fees for being late in that moment, but payday loans henderson nv they never said anything about it or add it to the monthly payments.

Whoever is telling you that you are at risk of foreclosure while being current is grossly inaccurate.

I am the resident loan officer here at LoanSafe and would be happy to answer any questions regarding that but again if your terms are great on that modification there may be no reason to refinance.

You have to be careful with them, I hate to say it because I am a loan officer myself but some people out there will try and push you into a situation that may not be beneficial just to make a buck. Yesterday I went to the register of deeds here in Mecklenburg County, and after all the places fast payday they sent me, I was able to check in the computer of the county and that Website was right I do not have a lien in my house from nobody. In case I cannot pay BOFA after the charged off, can they put a lien in the house? I hope I will never have to go through that again, is not fun at all, but asking just in case. Once again Thank you so so much for all your advises.

Sandstrom I will keep your phone number and email, just in case we need to do something else, because yesterday talking to my husband we soon are going to have our daughter going to college and we really want to help her to the max to pay for it, so if later on we have to refinance I for sure will give you a call.

Yesterday I went to payday loan san antonio the register of deeds here in Mecklenburg County, and after all the places they sent me, I was able best online personal loans to check in the computer of the county and that Website was right I do not have a lien in my house from nobody. In case I cash fast online cannot pay best online personal loans BOFA after the charged off, can web loans online they put a lien in the house?

I hope I will never have to go through that again, is not fun at all, but asking just in case. Once again Thank you so so much for all your advises. Sandstrom I will keep your phone number and email, just in case we need to do something else, because yesterday talking to my husband we soon are going to have our daughter going to college and we really want to help her to the max to pay for it, so if later on we have to refinance I for sure will give you a call.

What is still confusing is that even after bankruptcy, your bank should still have a lien on the property.

Sometimes it is released, but usually its not, However, if this was 4 years ago, I would not be very concerned.

One thing you may want to do is make sure you have copies of your lien search from the county.

They should time stamp with date and time, so in the future, you can say on this date there were no liens on this property. 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 recently posted this question at the end of a thread that was last active in 2015 so I thought I would re-post as new in hopes that it may be seen. Thank you so much for any suggestions you may have. Our house is worth less than our first and they have charged it off. My husband has been doing all the talking with top 10 payday loans them.

We ignored the initial packet they sent us asking for every piece of financial info we had. They called him the next day and said they brought another person in and needed a few pieces of info in order to consider the offer (as I know now after reading up here that was a lie). The requested info was not as extensive as the packet. There was no filling out of paperwork, just statements. I recently posted this question at the end of a thread that was last active in 2015 so I thought I would re-post as new in hopes that it may be seen. Thank you so much for any suggestions you may have. Our house is worth less than our first and they have charged it off. My husband has been doing all the talking with them. We ignored the initial packet they sent us asking for every piece of financial info we had.