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I plan on following the strategy in the forum about settling your second mortgage, so will not provide any financial info.

Well, month number 3 and nothing new from CitiMortgage. Recieved my regular statement in the mail today and noticed something funny. The total balance has not changed since I stopped paying 3 months ago. Ive saved all the statements and even though I have not made a payment for 3 months, the balance is the same for June, July and August. Really want to send them a settlement letter offer, but following the advice of the forum and waiting until they contact me. Also did some research for foreclosure in Michigan and found loans for single moms out that I have a year after foreclosure proceedings begin before you are basically forced out of your home by sheriff sale.

Sound scary, but a sheriff doesnt actually show up at your house and kick you out. Really want to send them a settlement letter offer, but following the advice of the forum and waiting until they contact installment loan direct lender me. Also did some research for foreclosure in Michigan and found out that I have a year after foreclosure proceedings begin before you are basically forced out of your home by sheriff sale. Sound scary, but a sheriff doesnt actually show up at your house and kick you out.

Just a quick note about BK7 and being contacted by the mortgage holder - they legally can not contact you unless have given them permission.

You have to send them a letter that is ok to contact you regarding the debt. It all depends on how they view you and what the finances are of your situation (are you underwater? Latest statement just shows late payments due, but no interest or added fees. Balance has not changed on any of the statements, still shows direct lenders payday loans online original balance due from June statement. Since this loan was discharged in ch7 bankruptcy, was going to send them a letter to contact me about settling the lien, but decided not to.

Sticking to the advice in this forum and will wait for them to contact me for now.

Since this debt has been discharged, Im only concerned with getting the lien released. First mortgage and second is now just below market value, so I doubt if second would start foreclosure anyway.

However, I did recieve a letter from Citi with options. Looks like a standard form letter with options for: It also has the usual not an attempt to collect a debt wording. It does say my loan has been assigned to the Home Support Team and they would like to work with me on a hardship option. Unfortunately, I realize now that it will be impossible to repay this loan, maintain the house and keep property taxes and utilities current. I made repeated calls after bankruptcy, in 2012, 2013 and 2014 to settle this loan and release the lien.

Since I was not behind on payments, I was told each time that there was nothing available. My offer to settle is based on my payments after bankruptcy and the fact that this loan has been discharged. This post covered the last 6 months from non payment of mortgage until contact from citi. 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. The summer tour held events in ten cities across the country, resulting in more than 1,000 private consultations. Here are some really quick stats, over 30 percent of attendees were first time contacts. Almost 90 percent of attendees were 60 direct lenders payday loans online days or more past due on their mortgage payments and 30 percent were in foreclosure. Still, nearly 60 percent of those attending qualified for a mortgage modification. Michael and Frank, thank you to both of you and your team for the help you give to LoanSafe members, it is very much appreciated. 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 Privacy Policy and Legal Disclaimer Hi Cat, sorry if this is the wrong thread. You can begin the process by contacting the Homeownership Preservation Dept.

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 Privacy Policy and Legal Disclaimer I have a 2nd mortgage with Citi. I did what I believe was an inhouse mod with Citi direct lenders payday loans online almost 2 years ago. I wonder if I have any options to get another mod in order to reduce the interest rate again. 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. Through this program, CitiMortgage borrowers are invited to meet with mortgage assistance experts in private, one-on-one consultations to discuss what options may be available to them.

During 2011, CitiMortgage representatives met with borrowers at 25 market events to discuss potential solutions including modifications, deferments, repayment plans, and alternatives to foreclosure such as a short sale or deed in lieu. The schedule for the first 10 events is: Location information for the first four events is below. We will provide updates when the schedule and exact locations for the remaining 25 free cash online events are finalized. They will work with you to identify potential options based on your cash advance lincoln ne situation. Let me try to help get you answers as soon as possible.

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 Privacy Policy and Legal Disclaimer I have just been approved for a modification, Im on a trial period for 3 direct lenders payday loans online months which ends Jan 1st, I have read so many horror stories about this im just hoping that mine goes smooth, I would like to thank everyone here for all the help and information regarding citimortgage, yes it was a struggle but I have finally gotten to the end I hope, it took me about 5 months for the approval, Thank you again, to everyone here and KEEP UP THE GOOD WORK I have just been approved for direct lenders payday loans online a modification, Im on a trial period for 3 months which ends Jan 1st, I have read so many horror stories about this im just hoping that mine goes smooth, I would like to thank everyone here for all the help and information regarding citimortgage, yes it was a struggle but I have finally gotten to the end I hope, it took me about 5 months for the approval, Thank i need a loan you again, to everyone here and KEEP UP THE GOOD WORK 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 what is a installment loan Read our Privacy Policy and Legal Disclaimer Get free mortgage help today.

Since 2007, the LoanSafe forums have need money fast bad credit 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.

Visit 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. These events are a great way to get your case escalated or even your application submitted in a very timely matter. 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 Privacy Policy and Legal Disclaimer What a joke. I have been trying to get Citi to help me since 08. During that time my husband was unemployed for two years got a job for 25. Now they sent me to foreclosure and told me we dont qualify for any forclosure assitance. The icing on the cake this is a HELOC loan and it will cost them to foreclose yet they would rather kick us out of our home than take a settlement I responded to your post and provided a contact in your previous thread.

Unfortunately the world we live in makes work and money feel like a priority over everything else.. 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 money loans online same day 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.