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Once you do find stable employment they can them re-review your account for a loan modification 24 hour loans online which can help decrease your monthly payment and add any past due amount to the back of the loan.. 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 I chose to strategically default on my Option One (AHMSI) mortgage for 121000K in February of 2011. I moved out lock, stock and barrel and essentially abandoned the property. I received late notices, but no foreclosure action was ever initiated. In January of 2012, I noticed that the loan had been reassigned to RTR, but I did not respond to their invitations to settle for 34000K. Then, one day in June of 2012, I received a statement of Discharge of Mortgage from Option One that had been executed back in December 2011.

It was duly recorded at the Register of Deeds in our county and so, I sought out the counsel of my attorney.

She checked with a colleague and was told that this was happening with greater frequency here in Michigan and that I should just proceed with life as I owned the house, free and clear! I moved back into cash loan places the house, made improvements needed since abandonment and have paid arrears property taxes. I have not had cash loan places word from the IRS yet on the tax consequences of this, but I understand that even though it has been two years since the mortgage was released, I can still meet up with a taxable consequence cash loan places once they catch up with it, but no one is quite sure. The attorney advised that if the tax burden is too onerous, that bankruptcy might be an option. In any case, it seems that in some cases, mortgages have been released back to the mortgagees in Michigan. The property values since this cash loan places occurred have skyrocketed back up to near where they once were, so this is a real head-scratcher! Yes, I understand that RTR was the new holder of the debt or at least whatever part of it remained, but they have now relinquished interest in the matter as well. The lady who does my taxes did say, however, that IRS COULD catch up with things and that she has seen it take up to three years...

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. Anyone familiar with a 2nd loan being sold to Real Time Resolutions (RTR) - but no lien ever appearing on property record? As for the Real Time Resolutions account, we have received 2 letters over two years from RTR, asking for payment, stating they own the loan and hold lien on the property. Wow, I think you are in the mortgage twilight zone. No, this is not normal and I do not know to further advise you more than you have already done. Yes, RTR has the right to collect from you, but not sue you because your bankruptcy eliminates their right to sue you, but it does not remove the lien from your property. You will have to negotiate a settlement to get it removed to have free and clear title.

The Ocwen deferment issue is also a peculiar issue.

Maybe it was never recorded in their computers and you do not have to pay it.

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 cash loan places individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Moe - Thanks as always for your insight.

Do you believe a title company might find the lien in a search?

Of course that would cost several hundred dollars from what I understand. Yes, a title search will most likely find the lien. 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. Yes, a title search will most likely find the lien. The Lien from RealTime Resolutions never showed up on our Title with the california cash advance county or even on an OandI title search.

However, the original loans from 2005 with Option One, then xfered to AHSMI, then to to Homeward and utlimately to OCWEN - still reflect on our county recorded title as Option One loans 1 and 2. Ys, I would assume that the RealTime Resolutions lien will show up. The comments by me and the materials available at this web site are for informational unsecured personal loans no credit check 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. I happen to be a deaf Option One customer and the thought that I may have been targeted for a predatory loan on the basis of my handicap has been nagging me for a long time. He said he could not go into specifics because it was still under investigation, but that I was welcome to file a complaint with them against OOMC, even though I am a Kansas resident, which I am doing this weekend.

If any of you believe that you might have been singled out on the basis of bad credit need loan your race or handicap, etc. When I called them, they told me they would mediate my concerns. For Texas, the website is and then go to the complaint form.

I hope this helps someone as the the first post helped me. 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 took a mortgage 9 years ago to try and pay off some back taxes on my business. My credit was not good so I was surprised I got approved. I payed into plan for 8 months before the IRS made their claim. The plan became to expensive and the judge dismissed it.

There have been four mortgage companies, American Home Mortgage , Option one , Homeward and Real Time.

American Home were foreclosing before I went chapter 13. I got mail from Real Time that they had taken over mortgage. They said I had to send it Western Union or debit from my bank account. I asked when would I get the modification package they said they could modify after I made a few payments.


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I got mail from Real Time that they had taken over mortgage. They said I had to send it Western Union or debit from my bank account. I asked when would I get the modification package they said they could modify after I made a few payments. I definitely think we can help you get things back on track and we have many members here in a similar position as yourself. It is very common for a mortgage payday loans racine wi to be transferred from one servicer to the next and this can complicate things when you are trying to pursue a loan modification. 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 cash loan places 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 Unfortunately, if you make a payment best rate personal loan after you have fallen 120 days or more behind the lender is (generally) not going to apply the payments to your account unless it is for the entire past due balance. If you are more than two years behind you will definitely want to keep all the money you can instead or sending in partial payments to the servicer. Making those payments will not bring the account out of default and you cannot get those funds back if a loan modification does not work out. If you have a loan mod package from your previous servicer I would send that in along with updated paystubs and bank statements to get the process rolling. At this time there is not much you can do besides get the modification in play as soon as possible so they can begin their review.

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.