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He refinanced the original second into a HELOC and took out 20k about 5 years ago. What he would need to do is to first complete the refi and get that in place and then approach Chase to see what the options for the HELOC would be at that time. The most important piece to the puzzle is to get that refi completed. 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 payday loans with no fees 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 cheap payday loans 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. You might be able to do a title search at your local county recorder online or call a title company to ask them if they can do a search for no credit check loan you. 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 cheap payday loans the individual author and may not reflect the opinions of the firm or any secured loans bad credit individual attorney. Please Read our You might be able to do a title search at your local county recorder online or call a title company to ask them if they can do a search for you. 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 cheap payday loans 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 have a 200k PNC 2nd that we stopped cheap payday loans making payments on in late 2014. We were experiencing financial hardship at that time. We recently reached out to them to see if we could come to a lump sum settlement agreement. They told us that the file had been charged off in 2015, stopping all fees and interest from accruing. They also cheap payday loans told us that as of February of 2019 we are past the SOL and that they cannot collect on the account. They had us fill out a hardship request which we sent in with two months of bank statements. They sent us a letter stating we do not qualify for hardship assistance and we have received the maximum number of foreclosure alternative options.

It also states that the servicing of our loan will continue per the terms of our note and mortgage including foreclosure proceedings, if applicable.

If foreclosure activity was previously suspended in our loan it may now resume. No foreclosure proceedings were ever started in our property that I know of. At this point, does anyone have any ideas on our next move? Should we still try to negotiate with them to work out a payment plan as they were unresponsive to a lump sum offer?

Due to Covid it looks like there is a moratorium on foreclosures in California. We are not sure how to handle at this point but would like to get this resolved with an affordable solution. We have a 200k PNC 2nd that we stopped making payments on in late 2014. We were experiencing financial hardship at that time. We recently reached out to them to see if we could come to a lump sum settlement agreement. They told us that the file had been charged off in 2015, stopping all fees and interest from accruing.

They also told us that as of February of 2019 we are past the SOL and that they cannot collect on the account. They had us fill out a hardship request which we sent in with two months of bank statements. They fast cash advance loans sent us a letter stating we do not qualify for hardship assistance and we have received the maximum number of foreclosure alternative options. It also states that the servicing of our loan will continue per the terms of our note and mortgage including foreclosure proceedings, if applicable. If foreclosure activity was previously suspended in our loan it may now resume.


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No foreclosure proceedings were ever started in our property that I know of. At this point, does anyone have any ideas on our next move? Should we still try to negotiate with them to work out a payment plan as they were unresponsive to a lump sum offer? Due to Covid it looks like there is a moratorium on foreclosures in California. We are not sure how to handle at this point but would like to get this resolved with an affordable solution. PNC has no obligation to respond to your lump sum offer. You havent paid for 6 years and now want to settle.

If your area has rising home prices, there really is no need for PNC to consider making a deal.

Your easy loans company bank has even less reason to settle this if you have equity.

Its an accounting term used by the best payday loan lender bank to show the debt is uncollectable.

It sounds like they still hold the lien since you have been in contact with them. If they had sold the debt, you would be hearing from a debt collector. Debt secured by mortgage is treated differently than debt such as a credit cards or car loan. Also verify who actually holds the lien to your property. You can do this at your county clerks office and many counties let you do this online for free. The problem you will more than likely have is that the property lien will not go away without you paying the debt or the bank foreclosing. With the pandemic still not under control, foreclosure is probably at least a year away. Remember, banks are in the business of loaning money, not buying and selling homes. They would much rather get your payments than to go to foreclosure. But they will if they can make money from the cheap payday loans sale. Finally ask yourself how badly do you want to stay in this house? Is it a good neighborhood, kids in school, close to work?

Since the bank hasnt foreclosed in 6 years, that is a good sign. But they also have told you that you dont qualify for any hardship programs. How long would it take you to make up 6 years of payments to get current? You still have options on the table if you want to stay, but if you dont have a really good reason to stay in the house just move on. 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 went to the Glendale, CA HSBC Bank to inquire and they cannot locate such Heloc Loan anymore even checking through our Social security numbers and old loan numbers.

Additionally, after the loan was modified, HSBC ceased to send any statement nor any other correspondence regarding this HELOC lien.

We thought all along that the lien had been long term loan released following the modification of this loan. Thats your starting point, but remember liens can be assigned or transferred just cheap payday loans like a mortgage. 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 recently got a new job in pretty much the same profession but different company but there was a 3 week gap in between. Is there any lender that accepts this for the HELOC loan. How much time will I have to be in the new job in order to use it as income for the loan? Is there any lender that requires less than 6 months (or even less)?

I recently got a new job in pretty much the same profession but different company but there was a 3 week gap in between. Is there any lender that accepts this for the HELOC loan. How much time will I have to be payday lenders for bad credit in the new job in order to use it as income for the loan? Is there any lender that requires less than 6 months (or even less)? Generally, to qualify for a mortgage you must show a steady job history for the last two years. Since you did not switch professions and are still employed in the same industry field, you may still be eligible for a new mortgage at this time given you meet other qualifying factors.. 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 unsecured loan rates payday loan no debit card 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.