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The note on Experian says it has been referred to collection. I am using Google voice as my home number so I never pick up the calls but there has been a constant stream of missed calls with no messages. The note on Experian says it has been referred to collection. I am using Google voice as my home number so I never pick up the calls but there has been a constant stream of missed calls with no messages. IIRC, the (short) period where they stopped calling roughly begins at charge-off. They were so nice to include an addressed envelop for mailing back the payday loans in illinois check. I also received my annual adjustment notice on the 1st mortgage. Too bad its just a matter of time before this ticking time bomb reverses.

The biggest thing I have suddenly started to notice is what I believe to be a reversal in the real estate market. Quite a few homes in our area are up for sale and they are staying on the market longer than they would have just last year. I know a few of the local agents who are trying to tell me the market is normalizing. Their definition being a home that was selling quick in less than 30 days with 10-15 bids is now taking more like 60-90 days... What do I know but seems to me that means things are slowing down and obviously also means prices wont be driven up as much as last year.

Helps me understand pricing and what I think the value on my bail house is. Today I logged in to see more than 50 new notices!! And nearly all of them were some stage of foreclosure!! I just have to wonder if banks are starting to clear out that shadow inventory now. You no credit payday loan express check loans online instant approval know all the homes they were dragging their feet on? Who knows I am only looking in my general surroundings but I loans for rent have never seen this many notices on one day since I started keeping track of this over a year ago. And I think it supports something I have been kicking around. My loan agent even encouraged me to do it saying oh jump on this teaser ARM and refi in 3-4 years! I was set to do a fixed 30 yr had I not been encouraged to go ARM.


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For the record I qualified for either, it was just a matter of saving interest. I feel like there is a second wave of massive foreclosures coming, strategic foreclosures and walk-aways. After all these years the price has come back some but not enough and rates will start to tick up plus add in a shorter time to amortize the balance and.... Thanks Tom makes me feel better california personal loans I am not just imaging things. I feel like I am probably not the only one in this situation which means it will shake out soon. Anyone know of a good template posted here that I could leverage than writing from scratch? A GT rep finally got a hold of my personal cell phone number, no idea how they find this stuff but anyway. First thing he asked was for me to verify my social and address.

Of course short term borrowing I said no, you called me why would I do that?

I said what matter, no idea what you are talking about. And again he tried to cheap rate loans get me to verify to which I said sorry there is no reason for me to verify anything with you, whoever you are.

I made it even more interesting by also telling him I do not give my consent to record our conversation and in California that is my right.

He basically ended the call at that point and I have heard nothing since. Afterwards part of me would have liked to hear what he was going to cheap rate loans say, though my guess it was just a more senior collections person. On another note, cheap rate loans I have noticed quite a few folks recently on these forums reporting that GT has filed suit and they prefer this course of action. My 2nd is a purchase money loan in CA which means they have to FC before they can sue. Since the 1st is still significantly underwater I dont see that happening anytime soon. However in doing my research I happened to check MERS website and something stood out to me this time. Both loans cheap rate loans were initiated during escrow to purchase the property but they have different note dates. Seemed strange to me because I would expect they both would be dated at the close of escrow.


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The 2nd is dated 6 days prior to the 1st and I believe the 1st is correct being dated at the close of escrow. Knowing how GT likes to sue and bend the rules in their favor I wonder if they might use that date difference to suggest it was not a purchase money loan. A GT rep finally got a hold of my personal cell phone number, no idea how they find this stuff but cheap rate loans anyway. First thing he asked was for me to verify my social and address.

Of course I said no, you called me why would I do that? I said what matter, no idea what you are talking about.

And again he tried to get me to verify to which I said sorry there is no reason for me to verify anything with you, whoever you are. I made it even more interesting by also telling him I do not give my consent to record our conversation and in California that is my right.

He basically ended the call at that point and I have heard nothing since. Afterwards part of me would have liked to hear what he was going to say, though my guess it was just a more senior collections person. On another note, I have noticed quite a few folks recently on these forums reporting that GT has filed suit and they prefer this course of action. My 2nd is a purchase money loan in CA which means they have to FC before they can sue. Since the 1st is still significantly underwater I dont see that happening anytime soon.

However in doing my research I happened to check MERS website and something stood out to me this time. Both loans were initiated during escrow to purchase the property but they have different note dates. Seemed strange to me because I would expect they both would be dated at the close of escrow. The 2nd is dated 6 days prior to the 1st and I believe the 1st is correct being dated at the close of escrow. Knowing bad credit quick guaranteed loans no credit check direct lenders loans how GT likes to sue and bend the rules in their favor I wonder if they might use that date difference to suggest it was not same day cheap rate loans money loans a purchase money loan. On another note, picked up my mail yesterday and payday loans lawrence ks I got the monthly GT statement from their asset receivables department.

On another note, picked up my mail yesterday and I got the monthly GT statement from their asset receivables department. This week I received a letter from GT servicing that BofA is forgiving the 2nd as a result of the DOJ settlement. I hadnt paid it for nearly 2 years but considering this was GT servicing and BofA investor I nearly fell out of my chair with this development. Now I need to reconsider if I want to bail on the home. It was a nice surprise then again I had already resolved myself never to pay that 2nd anyway. Purchase a new home in 2013, moved and rented out the 2007 home.

Continued to pay IO first while renting, however, IO period has ended. The home is still underwater and likely would not net enough in a sale to cover mortgage and seller expenses. My goal is to short sell the home but not looking likely. So I am contemplating sending the application without bank statements, tax returns, etc. I am in California, its a first mortgage so there is really nothing they can do other than FC or SS. Its non-recourse so they cannot try to collect the deficiency.

Maybe its worth it just to give them everything they want and see what happens? Stretching out the home until the my first interest only period expired seems to have made a huge difference.

I waited until the interest only period ended so I was making some income on the rental for a while. The IO period ended this year so stopped paying everything and got several months behind before putting the home on the market. To my surprise it sold quickly and for enough to pay all closing costs and remaining 1st mortgage balance.

Now I can watch my credit heal and I am done with that losing investment. Thanks for all the advice I received on this site, I never could have done this without finding some of the great information and advice of the people on this forum.