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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 cash advance dayton ohio 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 How do you all get that far?

I work 2 jobs that pay monthly, and have 2 different pay stubs. I have had two counseling sessions with NACA over the phone, and the first time, only one of my pay stubs was used for income. I scheduled another session, and explained about the two pay stubs. NACA seems to be as bad as trying to deal with Wells Fargo. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing payday loans same day 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 I emailed Kevin and was contacted by Arielle the next day. She first called my cell,and then actually called me at work, which I really appreciated.

I will stay on top of cheapest loans this and hope it all works out. Oh good, I am so glad I was able to help you get this straightened out, I do hope it all works out soon. 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 cash advance dayton ohio 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 Update: Friday I got cash loans las vegas an offer from Wells Fargo that is far better than I ever imagined. I have accepted the offer and am terrified they will take it away from me! This sounds like a NACA restructure and they do help to get the payment to an affordable level.

That is a great modification, just make sure that you remain in contact with Arielle throughout the process since she was able to help get the file escalated.

I have not seen any NACA restructures that were reneged that were posted on the forum since its inception.

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.


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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 Just make sure you make all the trial payments on time and there should not be any problem with the modification becoming permanent. FYI, one increasingly www cash loans common occurrence these days is the servicer (Wells Fargo) taking 30 to 60 days to get the permanent modfication documents out to the homeowner after the trial period is completed. The simple reason is the huge backlog of modifications they are processing. If it gets close to another 30 days after making the third trial payment and payday loans spartanburg sc you have not yet received the permanent modification documents, make another payment just as you have done cash advance dayton ohio with the first three, and contact us so we can make an inquiry about the documents. One last question for now: What is the best way to send in a payment, so I can prove it was sent and arrived on time? Just make sure you make all the trial payments on time and there should not be any problem with the modification becoming permanent.

FYI, one increasingly common occurrence these days is the servicer (Wells Fargo) taking 30 to 60 days to get the permanent modfication documents out to the homeowner after the trial period is completed. The simple reason is the huge backlog of modifications they are processing. If it gets close to another 30 days after making the third trial payment and you have not yet received the permanent modification documents, make another payment just as you have done with the first three, and contact us so we can make an inquiry about the documents.

The trial payment document you received should include information on how to make a payment and where to send it if done i need a payday loan today by mail.

Typically, payments can be made by phone, which is secure, effiecient and trackable.

Otherwise, mailing in a payment should always be done by Certified Check and mailed according to the instructions in cash advance dayton ohio the trial payment documents. My trial payment approval paperwork came Friday from Wells Fargo. I thought everything was to go through my NACA file. On June 9, I accepted the proposal through my NACA file. The paperwork I received did not include the terms of the final mortgage restructure that is listed in my NACA file. It listed the trial payments, and then said if those are successfully completed I MAY qualify for a modification. In my NACA file, the terms of the final restructure are spelled out. Have I accepted the proposal, or do I need to sign, date and fax to Wells Fargo all the paperwork like the rep.


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There is no place on the paperwork for a signature, and it just said to call to accept. Any modification offer is going to require a trial payment period, normally three or four months, before the permanent modification is put into place. This happens for a very simple and common-sense reason. Unfortunately, there are so many people out there who are so desperate to save their home that they would accept any offer put in front of them just to stall the inevitable just a little while longer. Therefore, the servicer has you go through a trial payment period to make sure that you are actually able to make the proposed new payment amount. Once you have completed the trial period successfully, they do a quick review of the file, double check the numbers for accuracy, and send out the permanent modification documents. You received the documents via FedEx for the simple reason that they are legal documents which require a physical signature and must be returned to the servicer with the original signature. Technology can do some amazing things, but original physical documents bearing an original signature still have to be handled by hand. Please do fax a copy of them into your NACA file for reference purposes. As for calling them to accept the offer, go ahead and do so. Make sure to get the trial payments made on time each and every month without fail. In the event you complete the trial period and the permanent documents have not shown up within thirty days, make another payment exactly the same way as you did the first three, and contact us to let us know the permanent documents have not arrived yet so we can make an inquiry for you. Thank you Tim for helping members of our forum with their NACA questions. 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 installment loans missouri 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 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 was wondering if anyone has gotten a loan modification through NACA in the last 2 years? The comments by me and the materials available at this web site are for informational purposes only and quik loans 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.


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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 I was wondering if anyone has gotten a loan modification through NACA in the last 2 years? Please refer to the information provided regarding your situation in the thread on which you have posted in our NACA Forum: While the worst of the mortgage crisis is well behind us, the NACA Home Save Program is still very much in existence and continues to help struggling homeowners with predatory loans and other hardships obtain mortgage modifications. 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. Just wondering, because I keep reading that you must wait for them (in this case a debt collection agency) to want to settle with US.

I only heard from Ocwen one time when they notified me of their service agreement Deutsche Bank. If the figures you quoted are still accurate, there is virtually no chance of getting foreclosed on the second. The second is in a subordinate position to the first loan, meaning if Ocwen were to foreclose, they would have to pay off the first before they would see a single penny themselves.

Since they would emergency money no doubt still get less than the balance on the first, they would actually lose more money foreclosing than by settling or even just writing off the second.

With home price increases starting to level off, you are most likely still in a good position. I have a Green Tree 2nd that I did everything asked trying to initiate a settlement before it got really bad. I jumped through all their hoops and they just used all the information against me. I have also seemed to notice that if the situation is post BK chances are greater when trying to initiate a settlement. Again this is just my instinct in reading various stories on this forum so it could be completely off. 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. NACA submitted on my behalf, (thank god because I knew nothing about it) my info to have an independent foreclosure review done on my loan. Do they send NACA the results to NACA or would they send them to me?

If they are to be sent to NACA, how can I get a copy? Thanks NACA submitted on my behalf, (thank god because I knew nothing about it) my info to have an independent foreclosure review done on my loan.