Ezmoney payday loans

That is why all my confusion, I know BOFA added it at the time of the bankruptcy certain fees for being late in that moment, but they never said anything about it or add it to the monthly payments. Whoever ezmoney paydaezmoney payday loans y loans loan money online is telling you that you are at risk of foreclosure while being current is grossly inaccurate.

I am the resident loan officer here at LoanSafe and would be happy to answer any questions regarding that but again if your terms are great on that modification there may be no reason to refinance. You have to be careful with them, I hate to say it because I am a loan officer myself but some people out there will try and push you into a situation that may not be beneficial just to make a buck. Yesterday I went to the register of deeds here in Mecklenburg County, and after all the places they sent me, I was able to check in the computer of the county and that Website was right I do not have a lien in my house from nobody. In case I cannot pay BOFA after the charged off, can they put a lien in the house? I hope I will never have to go through that affordable personal loans again, is not fun at all, but asking just in case. Once again Thank you so so much for all your advises. Sandstrom I will keep your phone number and email, just in case we need to do something else, because yesterday talking to my husband we soon are going to have our daughter going to college and we really want to help her to the max to pay for it, so if later on we have to refinance I for sure will give you a call. Yesterday I went to the register of deeds here in Mecklenburg County, and after all the places they sent me, I was able to check in the computer of the county and that Website was right I do not have a lien payday loan stores near me in my lending loans house from nobody. In case I cannot pay BOFA after the charged off, can they put ezmoney payday loans a lien in the house? I hope I will never have to go through that again, is not fun at all, but asking just in case. Once again Thank you so so much for all your advises. Sandstrom I will keep your phone number and email, just in case we need to do something else, because yesterday talking to my husband we soon are going to have our daughter going to college and we really want to help her to the max to pay for it, so if later on we have to refinance I for sure will give you a call. What is still confusing is that even after bankruptcy, your bank should still have a lien on the property. Sometimes it is released, but usually its not, However, if this was 4 years ago, I would not be very concerned. One thing you may want to do is make sure you have copies of your lien search from the county.


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They should time stamp with date and time, so in the future, you can say on this date there were no liens on this property. 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. Reading through your help topics, I understand the house is way above water.

She has never missed a payment on her 1st mortgage but never paid anything for her 2nd mortgage. Her 2nd mortgage was created in 2008 and I believe was sold to RealTimeResolutions sometime in Oct 2016 based on the late fees. Can anyone help me out on how I should attempt to settle with them? During 2010 the first mortgage was modified and we are current on it till date. The second lender did not modify the loan giving the reason of our low income. With our best of efforts the second was not modified and we are not paying since 2010. Recently we have received an intimation from the second lender about the amount due.

The second lender says In case the amount is not paid, it will go for foreclosure. Being in California and being current with the first lender, is it possible for the second lender to go in for foreclosure? If yes, what is the best option to resolve the issue? Also this has barrow money been a hot topic recently and I want to make sure that I mention something that I have been able to accomplish, it may or may not help depending on the situation. We were able to obtain a payoff in the amount of 90K, refinance this borrower via a cash out refinance because they were beyond the 4 year requirement and pay off that 2nd lien at 90K (not 120) and give them a whole new 1st mortgage. Your 2nd lender can initiate foreclosure however they would have to get the 1st mortgage to agree to pursue it as well as pay them off. 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 believe that the loan modification process can beneficial to both the consumer and lender when it is done for long term affordability.

Homeownership has and always will be part of the American Dream. We strive to fix loans and keep people in their homes. An outcome that is beneficial to all parties involved. Loan Safe bridges the divide between borrowers and servicers by acting as an intermediary and advocate of mitigating loss for all parties involved. We utilize our network of consumer friendly not for profit websites like to educate and connect consumers with their servicers. To date we have assisted over 100 people in saving their homes for free. In order to effectively create solutions, all parties need to come to the table with the common goal of mediating damage in the most proficient and cost effective way possible.

Whether that be a loan modification, short sale or deed in lieu of foreclosure, it is possible that everyone can come out of the process a winner. 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 Thank you for approving my request to join the Loan Safe Family.

Suffice it to say, I had no other choice to stop the sale - and preserve my home (or anything for that matter). NOTE: I filed myself (yikes) and continue to be unrepresented. Her meeting bought me some time as the hearing was postponed. Trustee also said to correct schedule C - and she kindly set the next hearing date. I was hospitalized 5 days - infection in finger which is deformed and needs future surgery. As if not enough, my sister was diagnosed in June and died of brain cancer in September. Thankful I was able to care for my sister and now lend moral support to my niece. Your site and forums bad ezmoney payday loans credit loans florida have re-ignited my faith and hope! Welcome to the LoanSafe community and thanks for sharing your story. I know that this can be vert stressful and confusing. I have counseled thousands of people like you over the last 9 years who were in similar situations. They are all just delay tactics of the inevitable which is foreclosure.

The main problem in keeping your home is your income. There is no way a BK judge and or the mortgage servicer will approve a loan modification for you to stay in the home which is your best bet.

A foreclosure defense based on fraud etc is very hard to litigate and prove.

You would need an expert lawyer to do so which would cost a lot of money.

They not only lost the case, they lost all their money. The solution is to somehow make more money and try to get a loan mod or prepare mentally and physically to move elsewhere. 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 I am in a forbearance program with Chase due to unemployment.

I have had 2 six month periods and am wondering if they will grant I have tried to refinance, but have been told i have to bring 12 months arrears current before any bank will talk to me.

Do you have any prospects for employment or income? 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. Do you have any prospects for employment or income? You probably would not qualify for a chapter 13 bankruptcy because you have to be able to afford to pay your creditors over a 5 year period. Mortgage are also often not included in a chapter 13.

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 You probably would not qualify for a chapter 13 bankruptcy because you have to be able to afford to pay your creditors over a 5 year period. Mortgage are also often not included in a chapter 13. OK, then you can qualify for a loan modification and you should keep trying to do so. The problem is that a loan modification is not mandatory and is a privilege.

They know you have equity and they may deny you so they can try and take your home back. 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 OK, then you can qualify for a loan modification and you should keep trying to do so. The problem is that a loan modification is not mandatory and is a privilege.