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Consider buying two prepaid TracFones (no contract to lock you in). Use the second quick personal loans phone only for calling banks, CC companies, and debt collectors.

Never call a debt collector or bank or loan servicer from your family and friends TracPhone. When you get cheap loan rates tired of incoming collection calls, simply turn that phone off to get a needed brain break. Provide this number to your creditors as the best and only way to contact you. Update your credit reports at the three major CRAs.

Creditors use loads of online database information, like credit reports, to chase debtors. I recommend you order a credit report on yourself, and in that process, provide the new mailing address.

This will feed the new contact info to the creditors and aid in the hiding process for you. I have moved, no forwarding address filed and I believe that I am untraceable but concerned about any forms that I may need at tax time Thanks to everyone for all the great advise throughout this long process, especially Tom, it has been a long road and house will be foreclosed In my state, a defendant in a lawsuit must be personally served. I work with numerous disabled people on Welfare, SSI or SSDI.

We just assist the client to write a letter telling the creditor or collection agency to no longer contact the person and the persons only income is welfare and they have no assets to collect a judgment with. They usually stop all contact or sell the account then we rinse and repeat. After that the clients rep had all his credit reports frozen. I owe AMEX over 45K and owe Citi over 35K and some other cards for a total of another 20K. I am out of the country, and was without employment for almost 3 months, hence behind a lot of bills. My current income has gone down drastically, hence cannot afford to pay the credit cards anymore. American Express sent a sheriff to my home in North Carolina, and my wife told them, that I was not there, and that I was out of the country since Jan of this year. 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. This thread speaks to something I have been thinking about, completely foreign to my nature and upbringing but necessitated by the current world.

Start with Google phone for numbers on applications.

It depends on the laws of your state: know them thoroughly in areas which apply to you.

A number of states have significant legal protections which can be used guaranteed loan approval for bad credit for short term installment loan married couples.

I agree that the stonewalling technique (they use it on you when it serves their purpose) is excellent, for the reasons mentioned as well as just avoiding saying something that can be used against you. I recognize item 3 is off the topic of this thread but I feel the mechanics of then actual topic and the item best way to get a personal loan 3 issues need to be started together and early. This posture truly drives collections departments bananas. No matter how well scripted and how well trained, that collector is never able to use those skills.

When collections departments and outfits eventually realize the cheap loan rates futility of their efforts, they decide to stop calling.

Whereas, when the debtor speaks with a collections agent, the relentless collection calls will continue.

Because by responding the debtor is injecting energy into the process, bad credit online payday loans thereby ensuring continued collection activity. I have recently been getting calls showing up on caller ID as Portofolio Recovery? Looked up and said they were junk debt collections. House is under water by one hundred thousand with the second. Owe two hundred forty two to WF which has been modidied and the house across the street had been boarded up for over two years and houses are only selling for around two hundred thousand in by personal loans direct lenders only neighborhood. I think my home is only worth two hundred thirty thousand maybe, in the northeast not alot of pick up in house inflation!

Hi, where can I find more info about the scorched earth strategy beyond going silent with regard to answering the phone? 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.

Even though I have not paid 2nd mortgage for 6 years, RTR keeps putting recent delinquency on my credit report.


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I have cheap loan rates never had contact of any kind with this debt collector. Should I try to settle this myself, or do I need attorney? I know this is small amount but I am retired have fixed income and this would be a struggle. If you didnt file bankruptcy, they will try to collect.

Bankruptcy would release you of the debt, but they would still have a lien on the property. The lien will still be there when you want to sell and that is a major problem.

Check with your county register of deeds to see who actually holds the lien now.

But you probably will need to contact them and make an offer. Keep the conversation or letter to a minimum and simply make the offer and wait for them to payday loan same day respond. Jzone is correct, I also recently wrote an article. I am now receiving a number of calls where charged off liens are now filing Notice of Defaults on properties. If you want to read more about that, you can see it here: Jzone is correct, I also recently wrote an article. I am now receiving a number of calls where charged off liens are now filing Notice of Defaults on properties. If cheap loan rates you want to read more about that, you can see it here: 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. As you can see I have idaho payday loans equity but this 2nd loan is hanging around my neck. I would like to refinance the 1st loan some day or do a reverse mortgage sometime down the road but this ridiculous 2nd loan is killing me. This would be considered a cash out refinance, your bankruptcy is already seasoned so depending on your credit score there are certain programs that will benefit over others. If by any chance you obtained your 2nd mortgage at the same time as the first when you purchased the home, it may not be considered a cash out refinance. Honestly - if the 2nd was modified, and you were given a low-interest rate, it would make more sense to just consider sending in a higher payment, than refinancing to a higher interest rate. Get an Amortization Calculator out, type in your rate, and when you want to pay it off - and just make that your new payment.

Definitely going to be a business decision on this one. If the rate is low on the 1st and 2nd, there usually is no benefit to refinancing because you can always pay more towards the mortgage and pay the principal off quicker than if you were to have a higher interest. I have a really neat system that can show you your current loan vs a new one. Here is an example of what it looks like but of course this can be tailored to fit your situation. Since 2007, the LoanSafe forums have helped millions of homeowners over the easy payday loans direct lenders last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Even though I have not paid 2nd mortgage for 6 years, RTR keeps putting recent delinquency on my credit report. I have never had contact of any kind with this debt collector. Should I try to settle this myself, or do I need attorney? I know this is small amount but I am retired have fixed income and this would be a struggle.

If you didnt file bankruptcy, they will try cheap loan rates to collect.

Bankruptcy would release you of the debt, but they would still have a lien on the property. The lien will still be there when you want to sell and that is a major problem.

Check with your county register of deeds to see who actually holds the lien now. But you probably will need to contact them and make an offer.

Keep cheap loan rates the conversation or letter to a minimum and simply make the offer and wait for them to respond. Jzone is correct, I also recently wrote an article. I am now receiving a number of calls where charged off liens are now filing Notice of Defaults on properties. If you want to read more about that, you can see it here: Jzone is correct, I also recently wrote an article. I am now receiving a number online installment loans direct lenders of calls where charged off liens are now filing Notice of Defaults on properties. If you want to read more about that, you can see it here: Get free mortgage help today.