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Please Read our Privacy Policy and Legal Disclaimer no, it is not a Fannie Mae or Freddie Mac. 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 deciding to turn down a mod offer in August I decided to pursue a short sale instead.

I could have walked but something in me wanted to at least try to leave on good terms. I immediately told Wells Fargo of my intentions and 5000 personal loan with bad credit listed my home for sale in late September. All necessary paperwork on both my part and the buyers has been submitted. Yesterday when I called my realtor to check on the process she suggested that I direct payday loan lenders no third party call Wells for an update (as she felt as if she was getting the run around). To my surprise when I called I found out that there is an auction date of Feb. Total shocker to me as I thought foreclosure proceedings are postponed during the short sale process.

I did find out that my file is with the negotiator. Of course I called my HPS with no return call as of yet. How much longer until the negotiator makes a decision? You might visit the following site for a comparison of the distress disposition methods. Unfortunately, only few states have adopted laws that prohibit the servicer from continuing with foreclosure proceedings while under review for a loan mod or short sale, and even then are quite a few ways servicers get around this - such as saying that you never supplied a complete package or the needed documentation in a timely matter. Definitely read through the thread Tom has provided to help you make a decision. You can always jump on the HAMPster wheel as well to try and drag out the FC process as long 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 This sounds like Wells Fargo is in violation of the National Mortgage settlement. I would bring that up to them and see what they say. 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 was approved for the Wells Fargo Unemployment program last September when I lost my job. This September, I was supposed to pay my last payment on that program. I have been working with my home preservation specialist for the last couple of months in an attempt to get approved for a permanent home loan modification.


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When I began the program, I was assured by the rep that they would work with me at the end of the term to find a reasonable solution.

What a horrible experience this has been with them. I forwarded a new profit and loss statement yesterday as my income has increased in August and I expect increases in September and October as well.

I am now self employed which fair credit personal loans seems to be making it more difficult to get an approval. When I began the program, I direct payday loan lenders no third party was assured by the rep that they would work with me at the end of the term to find a reasonable solution. What a horrible experience this has been with them. I forwarded a new profit and loss statement yesterday as my income has increased in August and I expect increases in September and October as well. I am now self employed which seems to be making it more difficult to get an approval. Unfortunately, with any forbearance plan you will still owe the difference between your original monthly payment and the agreed forbearance payment once it is over. This program is designed simply to buy you time and delay the foreclosure process while you work on increasing your small unsecured loans earnings or find a new job.

Appealing their decision will not hurt your chances to obtain an affordable modification.

The problem being self-employed is that the servicer will typically want to see at least a 3-month profit and loss statement to show a steady income, whereas w-2 employees will simply need to show two pay stubs to prove their installment loan for bad credit earnings. If not, you can use the links below to find out or you may have to send in a qualified written request (QWR) specifically asking for that information. 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 instant loan lenders 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. They denied me on the basis of their erroneous calculations. Also, Wells payday loans toledo ohio Fargo is supposed to be holding a home preservation seminar close to where I live, would it be a good idea to attend to speak face to face with a representative? The direct payday loan lenders no third party only people I currently deal with are in the west coast and I am in the east coast. Also, Wells Fargo is supposed to be holding a home preservation seminar close to where I live, would it be a good idea to attend to speak face to face with a representative? The only people I currently deal with are in the west coast and I am in the east coast.

Nothing is guaranteed, but occasionally homeowners like yourself receive a decision on the spot. HSBC has been one of the worst investors to work with and has continued to refuse participation in various programs such as HAMP. 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 Get free mortgage help today. Since 2007, the LoanSafe forums have instant loans online today 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 am new to the Forum, although I have been following the February 2013 Walkers Forum and Michigan 2013 Walkers for over a month now. The information is invaluable and I am so appreciative of everyone who has shared their experience.

I have made many improvements,remodeled bath, tiled, mirrored walls, new frig.

I amdriving a 2003 Honda CRV with over 200,000 thousand miles, and livingpay check to pay check. Today, I look at the mortgage document and I realize I was a victim and that I was duped into a. I guess Wells Fargo holds the mortgage now, and ASC services the mortgage. I was so dumb and trusting, I wish I had consulted with someone for advice.

I have joined the Walkers Club, I missed my first payment. I am not interested in a Short Sale or Loan Modification. I am extremely nervous, I have never missed a payment or been late. Through reading others advice I gather I need to continue to pay the hazard insurance, but not the property taxes. Never answer the phone or respond to emails or mail.

I closed my WF account and I have a post office box for my mail. Question: Would it be wise to send pictures and keys and a letter to WF stating that I do not plan to make any future mortgage payments?

I am considering writing a letter to WF and sending the photos with the keys and and a letter stating the property is vacant and the deed is theirs. I recommend you forget about sending a letter or pictures to WF. I had considered renting the condo, paying the HOA dues and pocketing the cash that would go to WF.

I thought I might be able to overcome the guilt I might suffer for doing that, but I was concerned how this may effect a renter when the FC happened.

I am considering doing exactly as you have advised. I had considered renting the condo, paying the HOA dues and pocketing the cash that would go to WF. I thought I might be able to overcome the guilt I might suffer for doing that, but I was concerned how this may effect a renter when the FC happened.


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I am considering doing exactly as you have advised. Furthermore, tenants are protected by the Protecting Tenants at Foreclosure Act of May 2009. And potentially much longer, depending on the circustances. Furthermore, tenants often benefit fiancially when a property FCs the new owner is often remiss in collecting some rent. Furthermore, tenants are protected by the Protecting Tenants at Foreclosure Act of May 2009. And potentially much longer, depending on the circustances. Furthermore, tenants often benefit fiancially when a property FCs the new owner is often remiss in collecting some rent. Hi Tom, I took your advice and rented the condo to a nice couple.

I continued to pay the HOA fees because the water, cable and sanitation are part of the services included in the HOA fee. Yesterday, my tennant gave me a court document that was delivered to them. Then when I got home there was a card in my door that was from a Process Server that asked me to contact him that he has important papers for me. I assume it is the same documents that were given to the tennant for me, but the process server needs my signature to prove I was served. Should I call the Process Server and arrange to receive the documents? I would direct payday loan lenders no third party like to scan and send you a copy of the documents as they are difficult to explain. Basically it appears the Plaintiff (WF) has covered all their bases.

This has happened a little sooner than I anticipated. First step is you need to contact a foreclosure defense attorney.

That there is a service pending means a clock is ticking. That service could be for either the promissory note side of the mortgage or the foreclosure. If it is the foreclosure, WF can serve by publication if they cannot serve you. In FL, the tenant is NOT a valid recipient for a service luckily for you the process server knows this and is acting properly at this point - online payday loan reviews some are sleazes. Pay direct payday loan lenders no third party the HOA fees as the HOA can institute foreclosure on its own. The attorney will analyze your situation for the various defenses, including improper loan procedures and other violations of law and use them in a defense. Now, something you fear will take place in a month will wind up taking a year, giving you time to make arrangements. You have a 20 day clock if it is the foreclosure and the new laws apply for a loan online with bad credit let them move it very quickly personal loans california if you do not respond the same law requires them to produce proper documents.