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And tooo they just harrasssed me by telling me this is a debt collector attempting to collect a debt. Housebroken13, if you have indeed reaffirmed the debt you would certainly know about it as you had to have signed a document.

Did you have an attorney representing you in the BK? He took br too last year and the loan was also discharged with him as well.

Divorce judge made him continue to help me make this payment and he did until his br discharge. Since GT bought it the bill arrives in his name only. And tooo they just harrasssed me by telling me this is a debt collector attempting to collect direct lender installment loans a debt. I tried to call to see if we could settle, but never got anywhere. We are thinking of selling so I called GMAC again and they had no record of our 2nd mortgage. Tried to pull me up by loan number, name, ss number and nothing. Pulled our credit report and it said it is under Green Tree. Can I asked them to remove themselves from the title so I can sell the house?

Thanks Thanks for your post, Sure, you can easy credit approval ask GMAC or GT to remove the the lien, but they will likely laugh at you. Do you really think the owner of this loan will do that for you?

My specific question is if GMAC no longer owns my 2nd mortgage, why are they still a lien holder? If we do short sale the house then green tree would have to agree since they own the 2nd now, right?

My specific question is if GMAC no longer owns my 2nd mortgage, why are they still a easy credit approval lien holder? If we do short sale the house then green tree would have to agree since they own the 2nd now, right? You ask a question about how liens against real property work. I recommend you do some research on your own, or perhaps another member will chime in. Filed for BK in 2007 chap 7 stoppedmakin my 2nd mortagage payments to irwin in 2008 was to overoaded, while I had attemtped to contact irwin a message on there voicemail said my loan had been sold to Greentree and to contact them, meanwhile I never got any notices of any transfer of my 2nd mortgage, I have never received anything from irwin or greentree at ALL and I have not contacted them at all either, changed to a 13 in july 2011 and miracoulously got it discharged 9 months early in july, there is nothin on my credit report or anything about greentree, the listing for the Irwin account on the report.


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In Michigan all of the wamu (chase loans) securitizations are not collectable.

I have been desperately reading to understand everything that has been happening and none of it makes sense. What I do know is that I check MERS and I check my county register of deed on a daily basis. Even though I have never been late and never behind... I fear being one of those victims where MERS accidentally spits out an assignment of mortgage and then forclosure. My brother almost divorced his wife over this because she swore up and down that the sent the cashiers check to the bank. Someone with her same name but different middle name had a loan and had defaulted. Somehow they were not forclosed on online loans bad credit and instead my brother and his wife were. It was only two days ago that we discovered the error.

I hope they are able to get some kind of compensation because this was all they had. Her dad almost lost the home to forclosure himself so she bought the house to prevent the house from leaving their family. It had sentimental value as her mother was an artist and had done walls of art work in the basement of the home. I hope she can find justice and compensation for her loss. Thankfully they did not have young children at the time. In Michigan all of the wamu (chase loans) securitizations are not collectable. I have been desperately reading to understand everything that has been happening and none of it makes sense. What I do know is that I check MERS and I check my county register of deed on a daily basis. Even though I have never been late and never behind... I fear being one of those victims where MERS accidentally spits out an assignment of mortgage and then forclosure. My brother almost divorced his wife over this because she swore up and down that the sent the cashiers check to the bank. Someone with her same name but different middle name had a loan and had defaulted.

Somehow they were not forclosed on and instead my brother and his wife were. It was only two days ago that we discovered the error.

I hope they are able to get some kind of safe loans for bad credit compensation because this was all they had.

Her dad almost lost the home to forclosure himself so she bought the house to prevent the house from leaving their family. It had sentimental value as her mother was an artist and had done walls of art work in the basement of the home. I hope she can find justice and compensation for her loss. Thankfully they did not have young children at the time. What a sad story about what happened to your brother and his wife. I hope they get some monetary compensation from the bank. 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. Received a permanent modification by mail from Bank of America in June 2013.

I signed, notorized and then sent it back to them by federal express. Have been making all my payments since that time then last week they informed me that it was sent in error and that the modification should have never been sent out. It looks like they never got investor approval and sent it out prematurely.

I went ahead and called investor who is Amalgamated Bank and they informed me that they did approve me for a modification but it was not the one I received. Bank of America has admitted to the error and the supervisor wants me to re-apply again from scratch. A new representative will be assigned in a couple of days and I have to go through this modification process again. I was wondering if there are any other resources or legal routes to go instead of starting again. I went ahead and called investor who is Amalgamated Bank and they informed me that they did approve me for a modification but it was not the one I received.

Bank of America has admitted to the error and the supervisor wants me to re-apply again from scratch. A new representative will be assigned in a couple of days and I have to go through this modification process again.


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I was wondering if there are any other resources or legal routes to go instead of starting again.

The very first thing I would do is file a complaint against BofA for stringing you along and requiring you to make payments on a cash loans instant phony agreement..

Did you happen to receive the permanent modification documents after completing the 3-month trial period? 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 need money right now 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 easy credit approval individual author and may not reflect the opinions of the firm or any individual easy credit approval attorney. There was no trial plan and just a permanent modification was mailed to me by Bank of America. 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.