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Hello, I found this website very useful when my first mortgage with Nationstar was modified and I got a HAMP approval back in 2013. I did not pay the 2nd mortgage as my house was underwater. Now my best loan companies for bad credit house is above water and I have been trying to negotiate on my own but never gave them any of my financials. Per MERS the investor for SLS is NY Bank of Mellon. Of course we would like to keep the house, but my question is whether the letter is just a scare tactic or should I start the countdown on a CA foreclosure.

Any other advice would be greatly appreciated and I reside in San Diego, CA.

I dont know about California, but Im in similiar situation in Michigan. Have kept paying on the first but not on the second. In Michigan, the 2nd mortgage can foreclose but must also pay off the 1st-so easy loans no credit check very unlikely. Also, because of bankruptcy in my situation, the second mortgage is trying to enforce a lien, not collect a debt.

The debt has been discharged, but of course the lien remains. The only real way the second mortgage can enforce their lien is when the house is sold. I am in no hurry to sell and always current on the 1st mortgage. I send them a settlement offer to release the lien once or twice a year and never hear back. If you are current on the 1st, I would not worry about the 2nd starting foreclosure, but then again, Im in Michigan and not California, so I would check the law in your state. I dont know about easy loans no credit check California, but Im in similiar situation in Michigan.

Have kept paying on the first but not on the second. In Michigan, the 2nd mortgage can foreclose but must also pay off the 1st-so very unlikely. Also, because of bankruptcy in my situation, the second mortgage is trying to enforce a lien, not collect a debt. The debt has been discharged, but of course the lien remains. The only real way the second mortgage can enforce their lien is when the easy loans no credit check house is sold. I am in no hurry to sell and always current on the 1st mortgage.

I send them a settlement offer to release the lien once or twice a year and never hear back. If you are current on the 1st, I would not worry about the 2nd starting foreclosure, but then again, Im in Michigan and not California, so I would check the law in your state. The acceleration date is key and may have happened without notice. The acceleration date is key and may have happened without notice. Specialized Loan Services is notorious for not being upfront and honest with their debtors and I have tried to make arrangements with them but to no avail. After speaking easy loans no credit check to one Chpt 13 real estate Attorney I decided payments are too much.

Liens were discharged and the 2nd SLS is trying to get me to do a short sale. Does anyone know if they are just pulling my leg since the 2nd would need to pay off the first?

They were crying when I was begging them to foreclose. Ask anyone here or anywhere, have you heard SLS done any foreclosure serving as a second? BigFrog, I just had a NOS filed on a borrower of mine the day after we funded the loan. These guys are being proactive about foreclosing, in this case I saved the house from that but the auction date was for the 18thclient called the foreclosure dept, they confirmed the lien was satisfied and removed it from the docket of sale. If you exceed that threshold, my advice would be to engage them for a settlement offer to see what you can get them down to. My professional advice would be to NOT let them lie any longer than you can, if you do get a notice of sale filed against the property it makes it much more difficult to do a regular conventional transaction and you would be forced into a portfolio type situation.

BigFrog, I just had a NOS filed on a borrower of mine the day after we funded the loan. These guys are being proactive about foreclosing, in this case I saved the house from that but the auction date was for the 18thclient called the foreclosure dept, they confirmed the lien was satisfied and removed it from the docket of sale.

If you exceed that threshold, my advice would be to engage them for a settlement offer to see what you can get them down to. My professional advice would be to NOT let them lie any longer than you can, if you do get a notice of sale filed against the property it makes it much more difficult to do a regular conventional transaction and you would be forced into a portfolio type situation. However, they say they will call me back and never do. I call several times a week and request to speak to my POC. I have made a formal offer in writing and sent them my 1st payoff amount as requested. Their excuse now is that they need to put a file together and my POC he said he would call me back in a couple of hours after he spoke with his manager about my offer yesterday, but never got a call back.

Then I noticed they requested another appraisal today on their website. I filed chpt 7 about 10yrs ago and this was included in my BK.

Of course my credit will be shot but either way it will go down. If I chose to pay them a settlement they need to report the difference to credit agencies when charged off. If we come to an agreement I will borrow from my 401K and family but I will only pay a minimum and they will not get their full asking price, but I am willing to negotiate. They have everything to lose if I decide to let them foreclose.


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They will need to buy out the 1st mortgage and SLS is a collection agency and they are hired to collect and not take on debt. Ask easy loans no credit check yourself, if you are happy to give them all your money, because that is what they want. The first thing they want you to think, is that they are helping you on how to give them all your money. All we want to do is help you get back on track with making payments! My neighbor just sold his house, so I hope that will give SLS and the investors some confidence in pursuing a foreclosure with me. I know they will chicken out and wont do nothing, but its worth a shot. This strange that none of the investors want the 250k. I said no way and you can foreclose on the home since it is not worth it for me to keep the it. Amazing they would want the full amount of the loan now after the fact. Oh well, I am willing to let it go now after all of these years and trying to deal with them. Bigfrog, you are right about not giving them all my money. I did the math(where it cost them ZERO dollar to foreclose), I saw that it was way way better for me if they had foreclosed. They are just trying to squeeze the blood out of whoever they can. I am waiting for the Coronavirus to damage the global economy and some how bring down the housing market to its knee. The stock market will be hit first, and there is no stopping it until they find a cure.

The flow of money will be restricted one way or another. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either online loan companies for bad credit save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. The 2nd mortgage is always the toughest to get modified and or are any help on. 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.

Bedard, I am also dealing with SLS with my second mortgage and have been using the strategy for settling that Tom posted sometime ago. I have not paid on the 2nd which was originally with PNC since Jan 2013. We have verbally made them an offer to settle but they will not except any offer that is not in writing and includes our financials. My home has a 700,000 first that was modified with B of A with a balloon payment.

I owe SLS 150K not including the tagged on interest and penalties. Zillow has the home value at 705K payday loan online bad credit which is so unrealistic as nothing around me has sold in the last 6 months for need cash fast no credit check more that 500k. SLS sent us the financial packet but wants me to include our retirement information which I have no intention of doing. Will SLS start foreclosure on my home based on Zillows figure since this is the dollar amount they keep insisting our house is valued at? Also, if I submit the financials will the statute of limitations start over?

I would greatly appreciate any advice you can give me. I believe that my home with both the 1st and 2nd is still underwater of at least 200k.

Thank you in advance for any advice you can give me. But this seems like a good sign that they are making this offer. This is the first time they have done anything other than just tell me to pay up. Bedard, I am also dealing with SLS with my second mortgage and have been using the strategy for settling that Tom posted sometime ago. I have not paid on the 2nd which was originally with PNC since Jan 2013. We have verbally made them an offer to settle but they will not except any offer that is not in writing and includes our financials. My home has a 700,000 first that was modified with B of A with a balloon payment. I owe SLS 150K internet installment loans not including the tagged on interest and penalties. Zillow has the home value at 705K which is so unrealistic as nothing around me has sold in the last 6 months for more that 500k. SLS sent us the financial packet but wants me to include our retirement information which I have no intention of doing. Will SLS start foreclosure on my home based on Zillows figure since this is the dollar amount they keep insisting our house is valued at? Also, if I submit the financials will the statute of limitations start over? I would greatly appreciate any advice you can give me. Please explain what you mean by Statute of Limitations regarding a home loan...?

I have just received a letter from SLS in which they are willing to write instant cash loans today off all past due late fees, delinquent interest etc. I would have to pay interest only of 289 for 3 years and then principle plus interest after that. I have now not been paying SLS for over a year on a 2nd mortgage of 128,000. I have just received a letter from SLS in which they are willing to write off all past due late fees, delinquent interest etc. I would have to pay interest only of 289 for 3 years and then principle plus interest after that.