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Do not rush the settlement proceedings, to include commencing negotiation talks.

Time is on your side and the passage of time will only strengthen you position. Do not behave as if you are rushed, eager, or worried at all. Be prepared to walk away from the settlement talks at any time. Wait for the lender to initiate re-engagement in the negotiations. This means that lender is now motivated to reach a reasonable settlement, and may be glad to eke out any money on this loan. Instead counter cash loans charlotte nc the offer with a counter below your goal price. No idle chit chat, and never disclose personal info. Your negotiating opponent will likely be a trained negotiator. While I realize this seems obvious and goes without saying, DO NOT end up negotiating with yourself. This frequently occurs when a negotiator is overly loquacious and attempts to be pleasant and polite cash loans charlotte need cash loan nc to their negotiating opponent. The result is often giving something away, leaving something on the table.

Yes, your credit will be damaged in the process, and unless your lender agrees to credit bargain as part of the settlement, the derog can remain on the credit file for up to 7. Decided to write it because, after many posts on the subject, new posts seemed repetitive and time consuming. I intend to multi-post it, and would have already done so, but we had been experiencing Loansafe server problems, so I was unable to do so yesterday and earlier today. Decided to write it because, after many posts on the subject, new posts seemed repetitive and time consuming.

Tomeason, so true, I have been following exactly what you are suggesting but am still in the middle of it. Our house is way under water and the 1st is HAMPed. Everything stated makes complete sense and the section pertaining to negotiation is dead on. Everything stated makes complete sense and the section pertaining to negotiation is dead on.

They probably would have taken a little less in cash, but I needed to pay as I made the money.


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In general terms, I followed a similar path as you. In my State, this is subject to judgment so it was important to me to settle--as bankruptcy was not an option.

It certainly would have been easier to just avoid them and in the end, that is probably as good of advice as we could give. Hey tomeason I made the mistake of sending in a hardship letter, bank statements and pay stubs to CLC shortly after I closed on a short sale, that loans in jacksonville fl was back on November 2nd, 2010. Is it too late to use your strategy if and when they get back to me.

Moreover, do you have any idea what they might up to not hounding me. Back in Novemeber they seemed hot to trot I owe 43K and CLC was willing to settle for 13K and I offered cash loans charlotte nc 4K and they countered with 6K.

This all during the one and only conversation that I had with them. I have not since received a letter, call or anything from them in 3 months.

Another question, that charge off is setting there on my cash loans charlotte nc CR. Can they keep resubmitting it everytime they call or does it have to go to a collection agentcy for me to take another hit on cash advance lenders my report. I copied and pasted the info on a document for quick reference, I advise others to do the same.

I am so glad the forum has someone of your stature to help push us along. I am in the process of beeing foreclosed upon by my loan servicer.

I also have a second (construction loan) that I was not sure how to dispose of. Your advice gives me a realistic plan that I cash loans charlotte nc can follow and know what is supposed to happen at each step of the process. I can not thank you enough for your kindness and dedication to helping us understand the options we have.

In the case of a loan having been discharged in a BK, as you know, the lender is forbidden by law, from trying to collect on that discharged loan.

However, although the debt is gone, the 2nd lien is not, and will not magically disappear. The most compelling reason for a debtor to pursue settlement is to have the debt owner agree to reconvey that lien.


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Tomeason, so true, I have been following exactly what you are suggesting but am still in the middle of it. Our house is way under water and the 1st bad credit loans instant decision is HAMPed. 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 am old enough to remember weeks on end of zero and negative temps most every year at this time, along with blowing and drifting snow by the foot. It is either global warming or just because I put my snow tires on last week. I am old enough to remember weeks on end of zero and negative temps most every year at this time, along with blowing and drifting snow by the foot. It is either global warming or just because I put my snow tires on last week. In my opinion, after having been served with your answer, the lender will attempt to withdraw their breach of contract lawsuit, so as not to be charged with sanctions and assessed for your legal costs and attorney fees. However, if the defendant does answer the frivolous complaint, which the plaintiff knows is unwinnable in court, the plaintiff then files a motion to have the suit dismissed, in an effort to avoid any legal consequences for their actions. One must travel quite a distance to find good conditions. I filed chapter 7 2 years ago and did not reafirm either loan. THe first mortgage is current but the second is 5 months past due and I have been turned down twice for a loan mod on the second. The last time I submitted info was 4 months ago and now they want me to resubmit or they say the will forclose. I want to keep my home but cannot afford the second mortgage. You might also consider getting a more reliable valuation than that provided by Zillow. You might ask a local RE agent knowledgeable about your neighborhood to do a CMA for you (usually free). One must travel quite a distance to find good conditions. Which,by the way is really easy when you do nothing! After 6months and 1 week my online acct disapeared and can no longer be accessed.

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I was getting 5-6 calls a day, every day,for six months!!!.......... Had a car drive by really slow taking pics of the house and neighbor hood a few months back. I have a bit of a unique situation I wanted to get your opinion on.

I had a 1st and 2nd (both purchase money loans) mortgage with Wells and I stopped making payments on both last March. They sold the rights to the loan and the servicing but the 2nd remains payday loan com with Wells as of now and a debt collector starting calling 2 months ago. I finally spoke with the company that bought my 1st mortgage and they are willing to do a short sale for much less than I payday loans direct lenders bad credit owe and will try to help get me a partial release on the 2nd too. WA state is a non-recourse state and from my understanding a non-deficiency state for purchase money 2nds. I called the debt collector for apply online for a loan the 2nd mortgage today and he is baffled as to why Wells sold the 1st mortgage but thought maybe they sold the 1st so they loans fair credit might have some deficiency options on the 2nd mortgage since Wells no longer owns the 1st. He seemed to think that if the 1st and 2nd mortgage aboriginal personal loans companies are different then Wells might have options for the getting a deficiency judgement for the 2nd. Have you ever heard of this situation or any advice? I have a bit of a unique situation I wanted to get your opinion on. I had a 1st and 2nd (both purchase money loans) mortgage with Wells and I stopped making payments on both last March. They sold the rights to the loan and the servicing but the 2nd remains with Wells as of now and a debt collector starting calling 2 months ago. I finally spoke with the company that bought my 1st mortgage and they are willing to do a short sale for much less than I owe and will try to help get me a partial release on the 2nd too.