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However, the other day I received a fedex envelope that has the originally loan doc agreement including a cover sheet stating there was an error (signatures , etc) and docs need to be resigned to accept modification. Continue to make your scheduled payments on time (but verify each payment is recorded to the modified loan - do this through your Single Point of Contact (SPOC)) Contact the SPOC and have them do the work to assist you to correct the records (during this time, only communicate with SPOC until the problem has been cleared up) Verify the documents and the things you need to do (coordinate a trip to a BofA with the SPOC so you can have the documents done in their local office - that branch will also transmit documents to source) Maintain copies of everything you submit (when talking to the SPOC, talk ONLY from the last copy you have in your hand and make sure that is the document they are looking at) Answer all telephone calls, listen to the person make what seems to be unreasonable demands, then tell them who your SPOC is and that you are coordinating all activities through that individual, bring them up-to-date on what is actually occurring, and watch everything they say. Log EVERYTHING, date, time, who talked with, what they wanted, what you told them, what they said in response and ALWAYS refer to your SPOC The last time I dealt with this, it was OCWEN, and they took 6 months to get it right (and 5 requests to correct their errors). Note: at bofa there is a special dept that deals with issues such as these. However, you need not concern yourself with that effort in dealing with this it is merely a common document perfection issue. If it becomes a problem, you can have your SPOC escalate the matter for immediate consideration. In direct lender loan turn, the special department will contact you and then you can take it from there...

I view your problem as my problem by solving yours, I will not be affected by the same problem at some point in the future. I contacted the executive office today and they put me through to the post mod department. The request originated with the County of LA recorder of deed. She said because there is new terms and such associated with the account and they are requested this to be recorded. 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.

Moe I see that you have been giving excellent information on what you should do for BAC. Once I have what I need to give them I will make the 800 call. First of all thank you to all of you who are working so hard to help people out.

I filled out a contact form that popped up from one of your links. This form did not have a comment section so I did not mention loansafe. Has loansafe seen in increase in the number of modifications via the form.

If not should I attempt the email address posted for the president of some part of Bof A? Secondly, I have an extension number personal loans fayetteville nc for an agent in the Retention Office in Southern California and a first name. I filled out a contact form that popped up from one of your links.

This form did not have a comment section so I did not mention loansafe.

Has loansafe seen in increase in the number of modifications via the form. The only diference so far in that even when we have been supposely qualify for the trial period over the phone (after a nice interview about our financial and personal situation)that happed on dec 2009 we still dont have any response.

We submited the paperwork along with the application for the famouos program on march 2010. We were required to send aditional information on july. All this just to recently being inform that the foreclosure process was never posponded because wasnt a guarantee that someone will b approved at the end.

So we have are being inform that there is a sale date of our property.

The funny part is that whenever i call to ask if that means that we have been desqualified as candidats for the mhap they say : no, is just that you are still in review.... May b somebody understand the process better than m becouse honestly... On page 3 of the postings here you have a loansafe. The only diference so far in that even when we have been supposely qualify for the trial period over the phone (after a nice interview about our financial and personal situation)that happed on dec 2009 we still dont have any response. We submited the paperwork along with the application for the famouos program on march 2010. We were required to send aditional information on july. All this just to recently being inform that the foreclosure process was never posponded because wasnt a guarantee that someone will b approved at the end. So we have are being inform that there is a sale date of our property. The funny part is that whenever i call to ask if that means that we have been desqualified as candidats for the mhap they say : no, is just that you are still in review....


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May b somebody understand the process better than m becouse honestly... On page 3 of the postings here you have a loansafe.

The comments by me and direct lender loan the materials available at this web site are for informational purposes only fast payday loans 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 direct lender loan 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 adrianna, we are in th exact same situation. We paid for three trial payments though, and they still foreclosed. Her name is Barbara Desoer, her email is on the oop post your contacts thread.

Jan 2009 you would be screwed because the lenders require you make at least a years worth of payments on the mortgage before they will consider modifying it. You can get all the forms, list of required documents and complete instructions on your servicers website. FedEx the complete package to the lender with signature required so that you have proof that they recieved it. Do not just fax it in as faxes can and do get lost very easily. I will continue to update, in case anyone else gets this happening to them, i hope not. IF THEY COULD BRING DOWN DICTATORS IN THE MIDDLE EAST, RISKING THEIR VERY LIVES, CAN WE NOT best online cash advance GET THESE BANKS TO PAY FOR WHAT THEY DID TO US? We can protest in the thousands, and then the 10s of thousands, and then the 100s of thousands, UNTIL THEY MODIFY OUR LOANS. IF YOU ARE SICK AND TIRED OF BEING A VICTIM, HOW ABOUT YOU BECOME A REBEL AND SHOW THEM THAT WE MEAN BUSINESS AND WE ARE NOT GOING TO GO DOWN QUIETLY. I have close contacts with a reporter from am major national newspaper and if we are willing to protest, I can get us TONS of MEDIA attention. Anyone who is foolish enough to apply for a mod now, with all the evidence that it is a SCAM... I thought that this was a pretty good website until now. I spoke with a nice fellow and he advised me that the Advocacy Dept was the same as the Office of the Chairman--only because I asked him. I then asked if that was the same as the loans without a cosigner Office of the President. IT does not matter who you call what or who you know, until you know same day loans online IF you would qualify in the FIRST place, once you know you qualify and can unsecured personal loans instant decision show the direct lender loan servicer than by modifying the loan the investor is going to make more, at that point the servicer will pretty much have to do so, if you show in definitive terms that you qualify according to their qualifications.

Once you show the servicer you qualify and alert the servicer that you have made the investor aware of qualifying as well, things really get moving until you know for sure you are playing Poker against an opponent who can see your cards, and their cards.. This is why you need to make sure you show the servicer you are aware that by modifying the loan the investor will come out on top. Hold them to the 800 page (PSA) that states the servicer must work in the best interest of the investor..

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.

After 4 years of fighting and foreclosure proceedings I was granted a loan modification Nov 2015. I signed a loan modification and a subordinate note. I know BOA will start foreclosure proceedings but what happens with my subordinate note (partial claim)? Are they combined into one foreclosure proceeding or do each one handle their own? The Partial Claim is essentially a separate 2nd mortgage.

They own both loans so all they need to do is foreclose on the 1st as they do in normal proceedings. 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 I received a mortgage from BOA pay day loans no credit check April, 2009. I defaulted on May 2011 due to a loss of income and had to file bankruptcy.