Cash advance in maryland

Our financial cushion was used up after a work related injury. A medical necessity requiring surgery with a couple of months off work. Short term disability insurance was supposed to cover most lost income. The insurance company for the STD was only paying half what they said they would. We called BofA right away to let them know we have a problem looming and ask for help. They treat us badly like we are looking for some kind of hand out at a 5 star restaurant.

We try a couple of more times and finally get someone that is willing to explain our options. We all decided that a modification is the best option. Gather and notarize all the many required documents, and send them all in. About a month later we are told our modification was approved and our next payment will be due in a couple of months. We should receive some documents in a couple of months, as they were swamped. We made our payments, some were credited, many were not.

We were told repeatedly that someone made a mistake, cash advance in maryland and our missing payments must have been due to not having money as opposed to just not being applied. Until the trial payments, we were over 2 years behind on our payments thanks to BofA. After years of lies, hung up phone calls (Them) fraudulent efforts to deny helping, attempts to payday loans virginia beach foreclose, and every other dirty trick they could think of, credit counselling, EHLP, etc, etc, etc. The AG settlement had our hopes up that we might finally get some help, when BofA transferred our loan to Green Tree. Our research into Green Tree and their reputation was discouraging to say the least. Two new applications for HAMP (First denied) later, and earlier this year, finally accepted. When our HAMP mod was finally accepted, and approved (A mere 7 days from receipt of all documents) we were sent papers outlining the terms including our trial payments. I made the payments before the 1st just to play it safe.

Below is a summary (In quotes for exact wording of part 2C and part 3. B Prior to modification, if the lender determines our representations are no longer true and correct, our loan documents will not be modified and the agreement will terminate. C I understand the loan documents will not be modified unless and until (i)I cash advance in maryland receive from the lender of a copy of this Agreement signed by the lender, and (ii) the Modification Effective Date (As defined in Section 3) has occurred.


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I further agree that the Lender will not be obligated or bound to make any modification of the Loan Documents if I fail to meet any one of the requirements under this agreement. I understand that if I have failed to make any payments as a precondition to this modification under a workout plan or trial period plan, this modification will not take effect. B The modified principal balance includes all amounts and arrearages that will be past due as of the modification effective date. Blah, blah, If I pay in full after 30 days the forgiven portion will be forgiven. F I agree to pay in full the deferred principal balance, minus any reduction I am entitled to and any other amounts owed by the earliest of payday loans tyler tx (i) the date I sell, (ii)The date I pay it off, (iii) the maturity cash advance in maryland date. Sections D through O is boilerplate agreement about lenders, MERS, collecting information, HELOC info, etc, etc, etc. They have sent another of these modification documents with all the same dates, but with the amounts changed. WHen I talked to the person at Green Tree handling this, she stated that BofA had determined that our account was not eligible for principal cash advance in maryland reduction. THis went through underwriting before offering the trial Mod, and again when the trial payments finished. That means according to the documents we could already be in default due to the payments not being paid at the full amount. As far as I can tell, the original modification, signed by them, should have taken effect last month. And finally, That BofA is still shafting us, after all these years, and even after passing us along to this collection company hoping to finally beat us. We have to have the new documents notarized and on their way back by the beginning of next week to meet their deadline. You win the prize for having posted the longest missive ever seen on these boards. Much cash advance in maryland too long for me to read maybe another member will take the time and effort to do so. Now here it is August, they have not done the maintenance to our account to make it in good standing.

They have sent another of these modification documents with all the same dates, but with the amounts changed.

WHen I talked to the person at Green Tree handling this, she stated that BofA had determined that our account was not eligible for principal reduction. THis went through underwriting before offering the trial Mod, and again when the trial payments finished.

That means according to the documents we could already cash advance in maryland be in default due to the payments not being paid at the full amount. As far as I can tell, the original modification, signed by them, should have taken effect last month. And finally, That BofA is still shafting us, after all these years, and even after passing us along to this collection company hoping to finally beat us. We have to have the new documents notarized and on their way back by the beginning of next week to meet their deadline. You now must only deal with Green Tree to complete this process. This is how they cover their bases and can show that they offered assistance to bring the account current, despite the fact that you were already approved and have technically entered a permanent modification.. But the fact that you do have a permanent agreement that is already signed by GT is great, and you may want to contact a local foreclosure defense attorney to help you seek legal actions for their wrongdoings.. Having a lawyer contact them may be a better solution in this case.. 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 loans at home 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 Well, this forum topic asked to tell my CW story. Just thought it help anyone wanting to offer advice or opinion. I was just trying to make sure there was enough information available. Evan, When I saw the new mod agreement I was not happy, but of the mindset that what ever it takes to get this back on track we need to do. Just make up the difference and they will know that the mod was redone after the fact it made me really nervous.


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She might have good intentions, but her company might not, and BofA definitely not. And with BofA apparently still calling the shots, how can I trust them? The final straw was the thought of BofA e payday loan having a say to trip us up this late in the game. 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, installment payday loans online or walk away legally from america payday loan their underwater mortgages. And, if this money earned more interest, what did they do with online payday advances the money?

We have tried all most everyday to get in touch with BOA, but their phone system recognizes my call but when I put in the account number, I am transfer to a voice mail. And, if this money earned more interest, what did they do with the money?

We have tried all most everyday to get in touch with BOA, but their phone system recognizes my call but when I put in the account number, I am transfer to a voice mail. 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 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 cash advance in maryland a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.