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They can never collect on the debt, but could foreclose because they hold the lien. I had an excellent BK lawyer who explained everything to me and it turns out he was right about everything fast loans so far. Once a year, verify with your county instant approval personal loans register of deeds, who actually holds the lien because they can be assigned or transferred without notice to you. Do not give out any financial info like yearly salary, where you work, balance on 1st mortgage etc... I do not intend to sell the property any time soon, but at some point I will have the 1st loan paid off and I do not want them to be able to foreclose. Are there samples within this form available to view? Well, it has been a while since I have thought about doing anything. With everything going on in the world these days, it has been the last thing on my mind. Recently, however I received a letter from RTR providing me with 3 payments options before taking action on lien. Well, it has been a while since I have thought about doing anything. With everything going on in the world these days, it has been the last thing on my mind. Recently, however I received a letter from RTR providing me with 3 payments options before taking action on lien. No dollar value or percentage was presented in the letter, just wanting me to select an option. I guess to open the conversation to see what my intentions are with the home... Well, it has been a while since I have thought about doing anything. With everything going on in the world these days, it has been the last thing on my mind.

Recently, however I received a letter from RTR providing me with 3 payments options before taking action on lien. The more disinterested you appear the better, even hinting you would be fine just walking away.

The more disinterested you appear the better, even hinting you would be fine just walking away. They have called and sent letters requesting more financial information, but I always decline with a repeat of the offer only. As you are aware, this loan has been discharged in Chapter 7 bankruptcy in 20XX and is not collectable. In addition, your claim of holding an enforceable lien after bankruptcy may or may not be valid. However, if it is valid, I am willing to make a settlement offer to release the lien and avoid any possible legal expenses to either of us.

My financial situation continues to make it difficult to make ends meet. Unfortunately, it will be impossible to repay the original loan amount, maintain the house and keep property taxes and utilities current.


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I have included a copy of the balance from the original creditor which was submitted during bankruptcy to verify the loan balance. They have called and sent letters requesting more financial information, but I always decline with a repeat of the offer only. As you are aware, this loan has fast loans been discharged in Chapter 7 bankruptcy in 20XX and is not collectable. In addition, your claim of holding an enforceable lien after bankruptcy may or may not be valid. However, if it is valid, I am willing to make a settlement offer to release the lien and avoid any possible legal expenses to either of us. My financial situation continues to make it difficult to make ends personal loans bad credit ok meet. Unfortunately, it will be impossible to repay the original loan amount, maintain the house and keep property taxes and utilities current.

I have included a copy of the balance from the original creditor which was submitted during bankruptcy to verify the loan balance. I sent the above letter and received a response from RTR (if you can even call it that). They simply provide a letter response that my dispute to the account is no longer owed due to bankruptcy. They did not even recognize my offer to resolve the lien.

So do I just resend the letter removing the In addition, your claim of holding an enforceable lien after bankruptcy may or may not be valid. I sent the above letter and received a response from RTR (if you can even call it that). They simply provide a letter response that my dispute to the account is no longer owed due to bankruptcy. They did not even recognize my offer to resolve the lien.

So do I just resend the letter removing the In addition, your claim of holding an enforceable lien after bankruptcy may or may not be valid. You submitted an personal loans for low income earners offer and they basically did not respond to it. If you want to send another letter, include a copy of their original letter reminding them of the payment options they gave you.

Do it by registered mail so you can verify it was received. Verify that the second mortgage was discharged in bankruptcy. Since this was a second mortgage, foreclosure is unlikely. Yes, they could foreclose, but would also have to pay off the 1st mortgage. You are Michigan and so am I, so we have very similar experiences. I did not modify my first mortgage but stay current and have not paid on the second. In 8 years I have never received any foreclosure notices. A letter once a year shows that you are willing to settle and it is up to them to counter offer.

Keep current on your 1st mortgage and unless you Get free mortgage help today. 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 have a 2nd mortgage that was opened up approx 10 years ago. I filed for bankruptcy and thought it was taken care of. Well I am trying fast loans to refinance my home and their is a Lein on my property from Bank of America. I first cash advance contacted them and they said they took over the load from countrywide. I explained I filed for bankruptcy and then said I would have to pay it off to remove the lein.

I have sent them all the info from my insurance company but still will not remove the insurance fees. They said I should have sent them my insurance info each year.

I tried explaining I had no clue they took over the account from countrywide and never got a call from them. I filed for bankruptcy and thought it was taken care of.

Well I am trying to refinance my home and their is a Lein on my property from Bank of America. I contacted them and they said they took over the load from countrywide. I explained I filed for bankruptcy and then said I would have to pay it off to remove the lein. I have sent them all the info from my insurance company but still will not remove the insurance fees. They said I should have sent them my insurance info each year. I tried explaining I had no clue they took over the account from countrywide and never got a call from them. You are no longer legally liable for the debt, but the bank still has a lien on the property and that lien must be settled or released if you want to online signature loans sell or refinance. However, you certainly can still negotiate a settlement.

The bad news is they know you want to refinance, so probably wont be as willing to accept a low offer. Next, since this was discharged in bankruptcy, they legally cant talk to you about collecting the debt. This loan has fully reached interest maturity at the 4. Obviously, looking back it was my negligence, I was young when filling for the BK and renegotiating the loan modification, I just wanted to keep my home. I guess I did not understand the full terms of what was going on and that this loan was included in the BK7 but the lender lien would remain on home. Years back, I remember Real Time Solutions loan providers calling me to make a settlement offer, and I was skeptical since I never heard of them and could not find them online.


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I was receiving form creditors I wanted them to mail me everything in writing. I only received a statement, which did not justify anything for me to understand their hold on the home and I was sure that this was in my BK 7 and discarded. I only receive something in the mail from them (statement) about every 6 months. I had a title company do private money loans a search and I guess there are 2 liens on the home. I cannot afford another payment, my expenses are maxed out to the limit, I recently just had a baby. I have read time is my friend, well, there has definitely been enough time lapsed, per Michigan law this has reached the statue of limitation. Since there is interest does this me they own the loan and it was not just sent to Real Time Solutions from BOA for collections? Do not call and let them know communication is only by letter. Make the letter short and sweet- stick to the facts.

Im in Michigan also, and there is no time limit on property liens. There is a 6 year statue of limitations on debt, but your debt doesnt exist anymore. I wouldnt hire an attorney until after a settlement is reached. They can only take the equity if they pay off the first mortgage holder. Then they own the house and can do whatever they want. However, you could argue since there is no debt, its simply a lien that they hold, not a loan. When they acquired the lien, they paid a certain amount based on the discharged loan balance. You can do a free search at your county register of deeds to verify this.

Stay current on your 1st mortgage and you will probably never hear from RTS. However, the lien will need to be released at some point.

If you are trying to sell , it certainly will need to be settled.

If you are in no hurry to sell, I would just wait it.

Contact them once or twice a year and wait for thier reply. Do not call and let them know fast loans communication is only by letter.

Make the letter short and sweet- stick to the facts. Im in Michigan also, and there is no time limit on property liens. There is a 6 year statue of limitations on debt, but your debt doesnt exist anymore. I wouldnt hire an attorney until after a settlement is reached.