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Con artists may trick you into signing over the ownership of your home by saying that you are signing documents for a new loan. Signing over the deed to your home exposes you to the dangers described above. Even if you are a victim of fraud, you could still lose your home.

For example, a con artist may ask you to give a partial interest in your home to one or more persons. Each holder of a partial interest can then file bankruptcy, one after another. However, the stay does not excuse you from making payments or from repaying the full amount of your loan. In another kind of scam, a con artist may offer to obtain refinancing or negotiate a payment plan with your lender. If you may make where to get loans with bad credit payments to the con artist, he or she may keep the money rather than pay the lender on your behalf.

The con artist may even file a bankruptcy case in your name, without your knowledge, as a part of the scam. Bankruptcy laws provide important protections to consumers. Scams can only temporarily delay foreclosure, and they may keep you from using bankruptcy laws legitimately to address your financial problems.

Signing direct lenders bad credit over ownership of your home, or even partial ownership, can result in serious financial harm. If a document is too complex, seek advice from a lawyer or an approved, trusted financial counselor. Never sign documents with blank spaces that can be filled in later.

Never sign a document that contains errors or false statements, even if someone promises to correct them later. Oral promises and agreements relating to your home are usually not legally binding. Protect your rights with a written document or contract signed by the person making the promise. Make your mortgage payments directly to your lender or the mortgage servicer. Do not trust anyone else to make mortgage payments for you.

Foreclosure scams often require you to sign over ownership of your home to a con artist or another third party. Never sign over your deed without getting the advice of your own lawyer, financial advisor, or other independent person that you know you can trust. By signing over your deed, you lose your rights to your home and any equity built up in the home. Report suspicious activity to the Federal Trade Commission and to your state and local consumer protection agencies. Reporting con artists and suspicious schemes helps prevent others from becoming victims.

Contact your mortgage lender or mortgage servicer as soon as you think you are unable to make your mortgage payment. Lenders are often in the best position to help, especially if you are current on your loan or not seriously late on your payments.

Your mortgage lender or mortgage servicer may be able to identify options to help you bring the loan current or to modify your loan. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to direct lenders bad credit 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 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 stopped paying our mortgage a little over a year ago. I called today to see how much time we had and if we could do a cash for keys deal. They told me that those types of programs do not pertain to foreclosures. I was under the impression that this is exactly what its was for. They said that I should be getting an eviction notice in the mail any day now and it will say on the paper how long I have to leave. 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. COUNTLESS homeowners across the country have won using this defense. There was even a win in the Virginia Supreme Court. The judges think this is just too easy of a win for the homeowner. So, many best personal loan judges will simply ignore your defense and still hand Summary Judgment to the bank. Yes, it violates all concepts of due process and contract law. It will only be a lot if you wait and attempt to do anything or everything at the last minute.

Search for cases in all of the US and holiday loans also search for cases in your state. It is far too simple for HUD to create a mechanism to insure the lender or servicer has taken the required actions. One of those ways is to make direct contact with the homeowner instead of relying on certifications from rogue lenders.

However, if HUD continually gets a stream of mail from FHA borrowers expressing the same complaint, I think we will eventually see change. Try Thanks for posting this timely information PatZZ. I completely agree with your post and the information that you provided. If no one speaks up and fights for their rights, they just get trampled upon. This is a fact of life in the United States since its inception. When I first started LoanSafe, we had a lot more people and homeowners who are also activists that were busy fighting for homeowner rights and the rights of others.

Since the foreclosure crisis is not as severe as it first was, I have found that this activism is now rare and has almost stopped completely. I believe that this is a big mistake because as soon as that happens, the big banks and corporations will step in and do what they have always done. For those pay day lone of you their reading this post, please remember that we are in this together and real change cannot happen alone. This community is based on paying it forward, helping others and treating people how you wanna be treated. So please step up and let us fight the good fight together like we have always done. The comments by me and the materials available at this web site are for informational purposes only direct lenders bad credit 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 Thanks for posting this timely information PatZZ. I completely agree with your post and the information that you provided. If no one speaks up and fights for their rights, they just get trampled upon. This is a fact of life in the United States since its inception. When I first started LoanSafe, we had a lot more people and homeowners who are also activists that were busy fighting for homeowner rights and the rights of others. Since the foreclosure crisis is not as severe as it first was, I have found that this activism is now rare and has almost stopped completely. I believe that this is a big mistake because as soon as that happens, the big banks and corporations will step in and do what they have always done.

For those of you their reading this post, please remember that we are in this together and real change cannot happen alone. This community is based on paying it forward, helping others and treating people how you wanna be treated. So please step up and let us fight the good fight together like we have always done. Complaining amongst ourselves might relieve bank personal loan some stress but no change will occur. This is a section of page 15803 in the Federal Register, Vol 80, No 57, March 25, 2015 where HUD is seeking comment about its plans to do the direct lenders bad credit above. That is, HUD wants to take to be certain that servicers who are servicing loans for borrowers in Hawaiian Homelands have complied with the requirements at 24 CFR 203.

It is borderline moronic for a Federal agency to even put this nonsense in print.


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So, there is no mistaking that HUD feels this regulation is viable and important in the prevention of foreclosure. Complaining amongst ourselves might relieve some stress but no change will occur. I had tried to rally the homeowner troops for the first few years when I started this forum. Unfortunately I was unsuccessful with each attempt. I have even marched in Washington, DC in the Senate House and also on the Wall Street CEO lawns. 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. I had tried to rally the homeowner troops for the first few years when I started this forum. Unfortunately I was unsuccessful with each attempt. I have even marched in Washington, DC in the Senate House and also on the Wall Street CEO lawns. Well, Moe, you were very successful in getting this forum going. When I titled this thread, I was careful to use keywords I thought borrowers might search for so it would come up high in searches. Sometimes, one or two people can rock the boat - if they are persistent. They can ignore me or ignore us, but they will be CONSTANTLY reminded. When I titled this thread, I was careful to use keywords I thought borrowers might search for so it would come up high in searches. Sometimes, one or two people can rock the boat - if they are persistent. They can ignore me or ignore us, but they will be CONSTANTLY reminded. You have a wealth of knowledge on the subject, that WILL benefit at least one other fighter, ME. I guess the good news is I think Stopa is close to getting a written Opinion. People may not be posting, patZZ, but they are reading the thread. Please list the dates that any of the HUD mandated servicing requirements found in 24 CFR 203.

Admit that Plaintiff failed to have a face to face meeting with Defendant before three full monthly installments were unpaid as required by 24 CFR 203. Admit that Plaintiff did not comply with the HUD loan servicing and loss mitigation requirements pursuant to 24 CFR 204, Subpart C. Admit that special loan servicing requirements required by the Sec of HUD and codified in the Code of Federal Regulations are incorporated into the terms of the mortgage and note, at issue in the instant case.