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Please Read our Hi Moe - 1st of all I hope Micah is getting better he is in my prayers...

But I am still I was under the impression that I do not have any options at all until I get a job. Actually the truth is that I have been freaking out! My husband is self employed without a consistent income and we would rather save what he makes loans for bad credit for the kids instead of pouring that too into the Chase blackhole. Could you please help me understand the type of online loans no credit check guaranteed approval options you are referring to in your reply? Also do I really have any choice to continue NOT to make any payments at all? Yes I would love to save money for the kids, but can I do so without losing the house? I have been doing a lot quick online loans of research, but all options I look into seem to lead to a closed door. I was like you, did not want to lose the house...... Moe and the Loansafe team were the greatest bank personal loan resource I had. Right, you will not get a loan modification until you are employed long term and stable.

The key here is if you want to keep the home, you need to be bad credit cash loans working. If you do not find work, you will eventually lose the home so you need to understand this. But it will hurt you in the long run health wise and psychologically. You need to try to get over this by telling yourself that this is just a home, and the most important thing is you have your family and health first and a job later. There are plenty of home and places to go as MD69107 said above. You see, most LoanSafe members feel exactly as you do and some ended up losing their homes. What they ended up finding out is that sometimes it is a blessing in disguise and a learning lesson. They also realize their homes and debt do not define them as a person because they are just things and material pursuits. 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. 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.


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We live in the state of Florida and below is our Chase mortgage quandary. We would like to stay in the house and hoping Chase (1st mortgage and HELOC) fast cash payday loan would work together and to work with us. We have three young kids with activities and expenses this new payment puts us way over the top. We have an 10 year interest only 1st mortgage and HELOC of which both are adjusting and moving to a principle and interest 20 year mortgage. We have assets in our 401K, IRA and 529 but no taxable account assets.

We were told we were eligible for either a short sale or deed-in-lieu of foreclosure via their form letter. We have talked to one attorney and she recommended that we continue to pay the HELOC.

This shows Chase that we are making an attempt and once we go past due on the 1st we could start the conversation with Chase to see if they would work with us.

I thought this was interesting because if anything is going to go our direction the HELOC would be gone at the end of the day…it has no equity supporting it. The situation would be that the 1st mortgage would be past due but the HELOC would be current? We understand going past due will destroy our credit but our options are limited at this point.

My dream scenario would be to give us a mortgage base on the current value of the home. I have seen this type of scenario about a thousand times over the last 8 years. Each and every time, the mortgage servicer had denied the loan modification and refused to work with the homeowner. The reason being is that you can afford the payment and are choosing to strategically default. You have given them fast cash payday loan your financials which shows this to them and now they have the ammo they need in case you deiced to walk away. Banks like Chase do not care and have billions and billions of dollars in backing. Hope for the best, but definitely plan for the worst. 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 1000 dollar loan no credit check 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 Good advice to hope for the best and plan for the worst but at the same time I want as informed as I can me ahead of time on our best options. What about this scenario…we keep the 1st mortgage current with the new terms and stop paying the HELOC.


Bad credit and need a loan

It would be a financial reach but maybe possible and fash cash we would have a negative equity variable 1st mortgage.

If I were you and dead set on strategically defaulting, I would default on my HELOC first like you had mentioned.

If they stone wall you, then they may foreclose or come after you personally. 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 direct cash advance lenders 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. Today we received a FEDEX envelope with a Trial Period Plan. Three months of payments similar to what a our payment was before the adjustment. Verbiage is that a modification agreement would be sent following the third payment.

Most members who have settled just ignored these offers and waited until they were willing to settle the debt. However, there have been some members who did not wait it out and initiated settlement talks themselves and were successful as well. 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.

Should I reach out to them or continue to wait them out? Second quote - not a bad idea as it relates to the 2nd. You apparently have no equity after consideration of your 1st mortgage. Go see a bk attny if you really want to get rid of that utah cash advance 2nd.

Yes, you are making progress but as you said, there will be tax issues if fast cash payday loan you do settle. There is not much you can do there other than talk with a payday loans in 15 mins CPA which you already have planned. There is also the option that Des mentioned above and that would be a chapter 13 bankruptcy 2nd mortgage lien strip which could wipe out your 2nd mortgage completely. This is supported by the Bankruptcy Code, specifically Section 506 in which it is declared that i need a personal loan not a payday loan a lien can only be considered to be secured based on the value of the collateral.

Therefore, for the amount that can no longer be covered by the equity of the home, the second mortgage is considered to be unsecured.

The comments by me and the materials available at this web site are for informational purposes only and not for fast cash payday loan 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. 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 received a Mortgage Loan Modification through Chase after a LONG, DRAWN OUT, HARD BATTLE.

The interest rate was initially reduced for a 5 year period, then has had step increases over the last few years. I was and still am very appreciative with that aspect of the loan mod.

I am concerned that is a predatory lending practice.

I was not in arrears at the time of the modification.

I have paid my monthly mortgage amount every month in full and on time since the loan modification. Mortgage servicers are notorious for adding on unexplainable fees to a loan modification. In my 9 years counseling people online, I do not think one servicers has even justified and or explained these fees. Of course it is predatory because they are preying on you when you are down and out, stressed and not thinking clearly. This is understandable due to the fact that you are losing your security - your home and roof over your head. In this letter you can as about all questionable fees, entries, documentation and a life of loan history (all fees and payments ever made on your mortgage) from your lender. When you contact your servicer in writing, make sure to document and include your account number.

Within 20 business days of receiving your letter, your mortgage servicer must send you a written response acknowledging it. Your servicer then has 60 business days, to correct your account or determine that it is accurate.