Cash advance naples fl

As for me, I still have not received the complaint, stopped paying over 3 years ago. I just received a modification offer from Bank of America after six long years of trying! The payments are actually higher but I can afford it since my income has increased significantly over the last few years. I owed three and half years of payments so this modification works for me and I will take it. Hope the info lets other people who had Hudson as the investor know that there is hope if you qualify for a mod and have the income to support it. Any other Hudson people get a letter about the mortgage transfer?

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.

My ex-husband is filing bankruptcy and just informed me I may be screwed. I am no where on the mortgage of the home, but I am on the title!!!

I even thought I should go ahead and buy JIC they DO come after me. I maybe could file bankruptcy myself, but keep MY home. We tried to do all this the right way, but things keep going wrong.

My ex-husband is filing bankruptcy and just informed me I may be screwed.

I am no where on the mortgage of the home, but I am on the title!!! If so, do you really think the lender cares who is on title? Not sure why you would think Chase is going to go after you. If you are not on the loan Chase would not have a claim against you since you are not the borrower. Certainly, if the loan is not paid, Chase will take back ITS property - the home.

If so, do you really think the lender cares who is on title? The way she worded it made him think they could come after me. Not sure why you would think Chase is going to go after you. If you are not on the loan Chase would not have a claim against you since you are cash advance naples fl not the borrower. Certainly, if the loan is not paid, Chase will take back ITS property - the home.

Okay so I consulted a lawyer and was told they might have my name listed in a forclosure file , but it cash advance naples fl will not go on my credit report. I am stepping up my house hunt so that mine is bought before his bankruptcy is discharged... 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 realize there have been a few threads, including one recently, on this topic, however I have not yet found one specifically pertaining to my situation. They have not reported to the CRAs because of the bankruptcy. There is no settlement notation on my credit reports. Unfortunately, this information is easy to obtain and any lender you pursue a refi with must verify any lien attached (or was) to the property.


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A settlement will block a potential refi for at least 12-24 months.

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 a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

My primary residence was foreclosed on by Wells Fargo last month.

I filed CH7 bankruptcy in 2008 and my debts, including the mortgage, were discharged in March 2009. I was under the impression that a deficiency judgement could not be obtained after a foreclosure because my mortgage had already been included in bankruptcy and discharged. I plan to go to the hearing to defend these facts and prevent the judge from granting the judgement against me. There has only ever been one mortgage, and as I said this was my primary residence. My last mortgage payment was July 2009 and the bank finally foreclosed in November 2014. Based on my understanding and research is that a chapter 7 bankruptcy where you do not reaffirm your mortgage makes you immune to any personal liability for deficiency judgement after foreclosure. They loans with bad credit may have made a mistake which you just need to prove your case. The comments by me and the materials available at this web site are for informational purposes only and best 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. The personal lending 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 Check your rules of online personal loans bad credit instant approval court to see if you need to file an answer beforehand before you show up. You may want to file an answer anyway along with a copy of your bk schedule of debtors and discharge. You may also want to look at the FDCPA laws to see if his client can qualify as a debt collector. If the client can you may have a FDCPA claim You may also want to explore a BK Sanction filing because he is suing you for a discharged debt. I am not an attorney and my comments should not be used as any type of legal advice.

Seek your own attorney in your own state to best protect your rights. 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 worked with Citi for the next several years (on the HAMPster wheel) and are still in our house. Or does the buyer deal with Seterus on their own (I guess with the help of our REALTOR?

Either they are going to cooperate with you in the short sale or not. A lawyer will make little, if no difference in this decision. As with all loan workouts whether it be a short sale or loan modification, they are considered a privilege and mortgage servicers are under no legal obligation to cooperate and or help you in the process.

It is your Realtor who needs to step up and do their job to try their best to make sure the short sale offer is presented and entertained. A good real estate agent who has done his or her fairs share of short sales should understand how to do this. 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 My son is getting better slowly but surely. He is doing MUCH better than he was a few cheapest loan rates months ago and I know he will make it through this. The hyperbaric oxygen therapy has been best rate for personal loan a crucial part of his recovery. 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 bad credit lenders only issue or problem. The opinions expressed at or through this site are the opinions of the individual author and cash advance naples fl may not reflect the opinions of the firm or any individual attorney. Please Read our I think You need to hire a lawyer to unsecured personal loans proceed because this is a legal process and lawyer guide in a better way than anyone else. We completed this transaction last July and it was required that we have a lawyer. Everything went fairly smoothly I gave in on maintaining control of everything and let our realtor do the work - turns out she was AWESOME! The most complicated part was our buyer did not speak much English, so it took a few tries on some paperwork to get things right.


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Our lawyer complimented her on doing a fantastic job and told us that, in his experience, it was rare indeed to have a short-sale go through - especially go as smoothly as ours did. We were also VERY blessed to find a livable trailer home in the woods to rent, and the owner is cash advance naples fl kind and understanding of our situation. The owner had posted the rental on Craigslist and said she got over 200 responses in one day. She said she chose us because we sent her the best e-mail explaining our situation honestly and introducing ourselves.

I certainly hope and pray that you and your family are doing well now! I meant installment loans for bad credit direct lenders only to add that with the help of this forum, we were able to remain in cash advance naples fl our home for 5 years after chapt. I think we made our last payment to Citi in 2013 and moved out in August 2016. Being able to remain in our home for that long feels like a kind of victory. Thanks for sharing your story and paying it forward to others who will read your words.

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. 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. Chase just killed our short sale so we are going to be saddled with this property for a while longer (did not reaffirm, but the foreclosure will be against us).

What if I transfer by quitclaim deed the property a shell (an LLC) subject to the mortgage. Then the foreclosure would be against the LLC and not me personally, correct? And therefore should no longer affect my ability to get a loan once I hit the 2 year hurdle. I am looking to avoid having the foreclosure hit my credit report and possibly get a mortgage before the foreclosure even happens. What if I transfer by quitclaim deed the property a shell (an LLC) subject to the mortgage. Then the foreclosure would be against the LLC and not me personally, correct? And therefore should no longer affect my ability to get a loan once I hit the 2 year hurdle. I am looking to avoid having the foreclosure hit my credit report and possibly get a mortgage before the foreclosure even happens.