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If anyone has any information out there on qualifications that would be really nice. Is there any possible way to succeed with these companies? Yes we do have MANY members here who have been approved for the Making home Affordable Program (or HAMP) and were successfully able to stay in their home. Here is some of the information you are looking for and this should help you get things going. 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 no credit installment loans 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. I just read this thread, I wish I had done so sooner. The first thing came to mind was the lady driving the Mercedes, was she a Hot fast loans with monthly payments LOL And thank you isisis I think I can use some of your ideas from this thread , if I get a chance to use them. BAC was assigned the mortgage the same day as the foreclosure sale. Thereafter, BAC brought an ejectment action against Sturdivant, claiming that it owned title to her house by virtue of the foreclosure deed. After the trial court entered a summary judgment in favor of BAC, Sturdivant appealed to the supreme court, which transferred her appeal to this court. We held that BAC lacked authority to foreclose the mortgage because it had not been assigned the mortgage before it initiated foreclosure proceedings and that, therefore, the foreclosure and the foreclosure deed were invalid.

Because BAC did not have standing to bring its ejectment action and the trial court never acquired jurisdiction over the ejectment action, we held that the judgment of the trial court was void, and we vacated that judgment. Moreover, because a void judgment will not support an appeal, we dismissed the appeal. He told the Eurozone movers and shakers how to get financial houses in order, while his own fiefdom is crumbling around him. And he had the nerve to chide them for their excesses!

From my perspective, when one of us vents, we all vent and vicariously realize the emotional benefit. I am no longer the same person as before I began this quest to prepare for defense of my home.

I comment on articles, send letters to senators, AGs, and our president, and tell my friends the depth and breadth of the fraud and cover-up that we in this community know to be painfully true.

We have a chance to be heard, but only when more of us realize that this is not just about people who have been foreclosed or who are facing foreclosure. It is about the loss of net wealth of a nation of individuals into the pockets of a few, sanctioned by our elected and appointed government officials. Dylan Ratigan ran a great piece yesterday as he interviewed DE AG Beau Biden and analyst Jack McCabe (it is available for viewing on the MSNBC website).

We have to change our message so others realize that we are all victims, that we must stand together against this monster.

My only concern is if I will be able to bring that up at the Unlawful Detainer hearing. They probably backdated it to the day before the filing of the NOD. My only concern is if I will be able to bring that up at the Unlawful Detainer hearing. Hi Morgane, what isisis is talking about is a loan that was sold into a loan trust shortly after origination, but never really make it into the trust. Then, the bank (to cover their tracks) puts the loan into the trust AFTER the trust has already closed. As an example, my loan was supposed to be put into a loan trust in the payday loans online no faxing beginning of 2007 (but it never made it there) due to FRAUD on the part of countrywide. They had approx 90 days to put cash til payday loans it in that trust but never did. Even if the loan had no PMI, make no mistake, these lenders took out private insurance on these loans. This is a BIG reason why a lot of loans DO NOT get modified. The loan servicer, however, will never admit to this. I can not tell you how many times I specifically asked BofA (my loan servicer) DO YOU HAVE PERMISSION FROM THE INVESTOR (BONY) to modify my loan? I understand a little about back-dating and the more egregious form of fraud to which you and others have been subjected. Do you know if a mortgage can legally be assigned after default? In my research since posting, I was cash advance columbus ohio able to find two decisions by Kings County, NY Judge Schack. Yet, four months later, plaintiff HSBC was willing to take an assignment of the instant nonperforming loan.

The Court wonders why HSBC would purchase a nonperforming loan, four months in arrears? Further, the Court requires an explanation from an officer of plaintiff DEUTSCHE BANK as to why, in the middle of our national sub-prime mortgage financial crisis, DEUTSCHE BANK would purchase a non-performing loan from INDYMAC.

In these cases two cases, I have not found the assumed motivation to be back dating, but rather something unknown or unstated. Judge Schack does not seem to say the actions were not legal, although he infers some form of fraud. I had always assumed it had something to do with getting ducks in a row in preparation for a foreclosure. I have not been able to find any law that prevents them from doing so.

IMHO, The motivation is to have a paper trail that gives them the ability to collect on the insurance.

I would encourage you to start on thread on this subject Monday morning.

I came across this article and it seems to describe your situation very well. It involves BoA, a family named Horace, and standing. When BAC went to Bofa my understanding is that they became a debt collector at that time as opposed to a servicer and a debt collector. Nonetheless, my take on it is Countrywide borrowers are being serviced by a debt collector subject to the FDCPA in such a way that there could be punitive actions for its violation.

I am in a similar place Isisis, though have not received a NOD or sale date as you have. I believe Chase has been nothing more than a debt collector all along.

On record, the Lender and Beneficiary are Washington Mutual. At the time Chase took over, guaranteed approval loans I had just retrieved my loan from Washington Mutual foreclosing and was in Loan Modification in September of 2008.. If so, when a loan changes hands and is in default, the new servicer is automatically a debt collector, not a new instant loans lender or servicer. In addition, when I read the Senate Overview Committe report and realize the shenanigans which occured in the battle between the OTS and the FDIC, it is no wonder there appears to be no note. As a debt collector, there can be no trial payment plans, no modifications thus three and a half years later, nothing has changed. I will be awaiting to hear how your Validation of Debt letter is responded to or not. The much awaited bending decision on the Eaton case with the Ma. Supreme Court will affect our fight as much as Ibanez if not more. This means as a debt collector, they are governed by a different set of regulations than lenders are. To complicate everything, it seems impossible to know what, if any effect our actions are having on the whole thing! I am reminded of the sketch of a perspiring goldfish desperately swimming in circles inside the carafe of a blender, with a disembodied finger stealthily moving toward the on switch.

I cash advance columbus ohio used to be able to concentrate on other things to keep my mind otherwise occupied, now I have almost no energy to devote to anything. The Banksters get a conscience, or an earthquake halts all foreclosures, or sunspots disrupt communications and they lose all records of foreclosure processes, or real justice takes over and I am off the list, or a kind relative wins the lottery and steps in, or, or, or.

When I sent my dispute letter I included verbage at the very bottom that says: If you are unwilling or unable to provide proof and validation of the debt as we have requested within 30 days, then you admit that the loan has been paid in full, and the debt has been discharged and nothing is owed on this loan. This letter acts as a self executing confession that you are acting out of good faith and willingly providing false and misrepresentation under 15 USC 1692e.

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It is quite possible that even today BofA has not provided Recontrust with sale instructions, hence, the date keeps getting postponed.

Maybe my sale date would have kept getting postponed for reasons that have nothing to do with my letters.

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 used that term recently in a forum to cash advance columbus ohio describe the eagerness with which I would be handing out modifications to vocal individuals who get it if I were a bank that had made a gazillion dollars double dipping in securities fraud, credit default swaps and fraudulent assignments and wished to continue to do so.

It would seem a thrifty form of insurance as a happy homeowner with moderate payments is far less likely to dig deeper, engage in conversations about fraud that in this new world of communication spread and might even grow to the point there could be consequences for greed. A few QWR, Civil Code and RESPA violations later no modification, a sale date and personal loan no credit check finally a preventative BK. Knowing the terms of the BK were economically prohibitive even if I cut out luxuries like heating my home this winter and inspired by the stories of others fighting back I went into battle mode and became vocal on this forum and elsewhere.

I submitted complaints to the OCC and Attorney General, faxed the CEO and OOP with my concerns. I then began investigating the loan trust into which joint loans for bad credit my loan could only have been placed by magic or unlawful means and county records where there is evidence of notary fraud voiding the foreclosure initiation. As expected my attorney bailed on me after I told him I wanted to file Bofa as an insecured creditor as they had no standing to foreclose and the chain of title was broken. He completely side stepped the evidence of fraud and brought paperwork to court to sign me over as pro se.

Just a few hours later after getting a continuance safe loans online on the confirmation of the BK plan to gain more investigative time a Mercedes pulled into my driveway. She might as well have been carrying a sign that said short sale. So, I called payday loans no credit checks no paperwork Bofa and Maurice told me they have a trial modification ready for me.

Two hours after getting a continuance to investigate the evidence of notary fraud found at the recorders office three days earlier and numerous payday loans no credit cash advance columbus ohio posts and google searches inquiring into CWAB 2006 SD2 I get a personal visit to let me know about a modification?