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The current debate over foreclosure fraud has been a revelation, even for those of us who have become familiar with the power of moneyed interests to influence the national dialog. Here are four reasons why the foreclosure fraud scandal is very important. A man who paid cash for a vacation cabin found that foreclosure papers had been filed and his locks had been changed, despite the fact that there was no mortgage on the property A best payday lenders woman in Colorado also had her locks changed by mistake, so the bank offered to let her skip a mortgage payment as an apology.

When she did, foreclosure papers were filed on her. If we placed the entire country under martial law, initiated a state of siege, and rounded up every suspicious-looking person in America with a best payday lenders nationwide dragnet, many -- perhaps most -- of the people dragged off to jails would be guilty of something. As a result, they will most likely lose their homes eventually, once the banks clean up their paperwork... Sure, a lot of people bought more house than they could afford, and some of them did so irresponsibly. Forgive the language here, but the bank-friendliest explanation for this systemwide breakdown is that bankers suck at what they do. But the bubble burst and the crap game got shut down. They were able to walk away from this massive nationwide scam by convincing the country that the only irresponsible parties were people who bought more house than they could afford. A loan is a contract, an agreement between two parties. The lender agrees to provide a certain sum of money, which the borrower agrees to repay according to agreed-upon terms and conditions. One of the biggest problems with the foreclosure fraud scandal - and the systems, tricks, and traps that created it - is that it obscures the contractual record between the parties, leaving all the information (and all the power) on one side of the transaction. Consider the woman whose bank offered to let her skip a monthly payment in return for accidentally changing her locks, and then proceeded to foreclose on her. Due process is trampled upon, and so is the right to legally enforce a contract.

Then they were hit with late fees, or unilateral changes to their payday loans austin best payday lenders tx loan terms, or other surprises that caused them to fall into a spiral of debt. It reflects on our national character, and our will to preserve the rights and liberties that have existed for eight centuries. The problem is that we have more rights as free citizens than the banking industry can afford. This post was produced as part of the This article was like morphine to the dying. I cried at night, sobbed really about how I had destroyed my life and hurt my child. I hated myself, wanted to kill myself, when they knew what was happening all along, and planned it too.


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They knew the bulbble would burst and they probably even knew when. But they sold us on the idea of the loan, they they sold the loan jack quick. And now they foreclose on us and get us (Fannie Mae and Freddie Mac) to pay the insurance on the loan. Then to top it off they convince the world that we are deadbeats, losers people pay day loands with bad judgement, so that no one points a finger at them. I say we contact our Registrar of Deeds and ask them if they check assignments to see if they are robosigned first. Offer some of your time to go in and help if they are understaffed. Please feel free to ask question and get help with everything from your mortgage, credit card or online baking. 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.

Many homeowners are having issues in dealing with Wells Fargo when trying to obtain a loan modification. Wachovia and American Home Servicing (ASC) are companies owned by Wells Fargo also. This forum is for homeowners to share tips, contacts and advice on how to get help and deal with one cash in minutes of the worst loan serivicers in the world. Please feel free to ask question and get help with everything from your mortgage, credit card or online baking. Since 2007, the LoanSafe forums have helped millions of homeowners need 100 dollars now 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. Many homeowners are having issues in dealing with Wells Fargo when trying to obtain a loan modification. Wachovia and American Home Servicing (ASC) are companies owned by Wells Fargo also. This forum is for homeowners to share tips, contacts and advice on how to get help and deal with one of the worst loan serivicers in the world. Please feel free to ask question and get best payday lenders help with everything from your mortgage, credit card or online baking. 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. Many homeowners are having issues in dealing with Wells Fargo when trying to obtain a loan modification. Wachovia and American Home Servicing (ASC) are companies owned by Wells Fargo also. This forum is for homeowners to share tips, contacts and advice on how to get help and deal with one of the worst loan serivicers in the world. 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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Have been trying for either a loan mod or a short sale repurchase - my state law supports the repurchases and WF has been allowing them recently. We are currently trying for a short sale repurchase.

They seem dead set on not stopping the foreclosure. HUD making home affordable intervened and WF admitted to their mistake. They still continued to deny the applications though. Have laid out all their wrongdoings in a letter to them.

They offer this as a service - they call lender and highly encourage that they offer a 30-day reprieve on the FC date. Submitting a Notice of Error under RESPA identifying, among other issues, discrepancies in the balances due reported in their account statements. We are in a non-judicial FC state which has strict requirements for all notices and reported balances to be accurate.

Due to the discrepancies, demanding a full accounting so we can verify their reported account balances due in their notices leading up to FC sale. They risk invalid foreclosure if they are off in their balances by even a little. They must clear up the discrepancy before they foreclose, but they will likely move ahead anyway. 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. We received a 1099-C in 2015 and were able to claim insolvency and not pay taxes. When a lender charges off a loan, this is really just clever accounting because they still own the debt and loan and now get to write it off as a bad debt. But the lien remains just as it did before the charge off. Now they can go after you personally for the debt without dealing with the 1st mortgage or home.

But based on what you found this afternoon, it may have been released. I would just contact Wells Fargo and see what they have in their records.

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 cash advance online direct lenders only 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 Right, I got that, the accounting term. I montell williams loan read a lot of other threads about lenders charging off loans and then people receiving full reconveyance. Normally the people that received full reconveyance, knew that when their loans were charged off or settled with that as part of the deal. You can either go by your own research which appears you are doing great and that the lien is gon.

You can call them as well or see if the local title company can help for free or charge a small fee to run a title search. 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.

It means Wells Fargo has all rights to the property, deed, and mortgage and if you pay them in full, you can get the same rights. The comments fast cash today 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 best payday lenders may not reflect the opinions of the firm or any individual attorney. Please Read our Can you tell me where you got that information? When I research what it means I am seeing that the borrower is released from the mortgage debt and transfers the property title from the lender to the borrower. There is nothing on the internet that will transcribe legal ease for you. I sold real estate and did mortgages for 10 years and have counseled people for another 10. My interpretation of what you copy and pasted above is based on 20 years of experience. 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 payday loans nc 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. Background: Purchased a home in 2006 in Nevada using two mortgages.