First time loans

They mailed me out some paperwork requesting more financial details as part of a loan modification package.

I let them know that since I had not requested they do that this that I was not going payday loans guaranteed approval direct lenders to pay for it and would not be paying them that fee. Last week they called again and asked if I wanted a loan modification. She said okay she would send me a letter requesting the information they needed in order to consider that. On Monday I received their request for a short sale package. For the first time in five years I have not made my HELOC payment before the due date. Having now read text loans for bad credit through the strategies and advice here I am going to follow them in the hopes of getting this HELOC settled. We have a second with SLS which we are currently not paying and hoping for a settlement as well. We did try the short sale route for 6 months with not one bit on the house. Have decided to try and settle with the them if at all possible. Over the course of the last year we have received a couple of loan modifcation packages by Fed-Ex and have not excepted either.

They offered a slight balance reduction and lowered the interest to 4 precent for the life of the loan. It was always the same person and the same message. Almost sounded like a recording as the wording was exact or close to it each time. On the second mod offer we sent back a counter and never heard one thing from them.

We just sent a second offer to them a few days back and have yet to hear a thing. I plan to never talk to them on the first time loans phone or send any financials.

Please keep us up to date how your battle with them goes and I will do the same if you would like. Yeah, it is a recorded message they leave bad credit loans edmonton when they call.

Back when I was trying to get them to extend the draw period I called them back as indicated in the message and it is their main customer service number where some random rep answers and has no idea what the original call was about and has to review the entire account file. After that happened twice I stopped bothering calling them back.

SLS continues to call once a day M-F at fairly random times. I am at payment number 2 missed as of yesterday with HFC.

Reapplied to extend the modification in Feb and they came back with an offer to double the payment with a rate of 13.

I told them my finances had not changed and could not afford to have my payment double. I am at payment number 2 missed as of yesterday with HFC. Reapplied to extend the modification in Feb loan in minutes and they came back with an offer to double the payment with a rate of 13.


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I told them my finances had not changed and could not afford to have my payment double. As for first time loans an update, we received a letter on Saturday from SLS letting us know that they have been unable to reach me and that it is really important I call their main 800 number. I have not recieved any letters yet however I got an email on Friday that said We have inportant information about your account, please call..... I think the last time they called was in mid February.

We have received one regular statement in the mail. What part of we can not afford the payment do they not understand? On Friday I got a letter in the mail with the usual implied threats of accelerating the loan and initiating foreclosure. Letter again asked me to call the regular 800 loan with no credit check number. Then yesterday (Monday) they had someone come by the condo to drop off an envelope. AT THE REQUEST OF SPECIALIZED LOAN SERVICING, AN INDEPENDENT FIELD INSPECTOR money loan bad credit CALLED ON YOU TODAY. PLEASE CONTACT SPECIALIZED LOAN SERVICING AT 1-800-306-6082. I applaud your having stopped paying SLS, and your intent to follow the Strategy.

Not communicating with SLS, and being very patient (being patient is easy because you need do nothing, LOL) are both important to your eventual success. How long do you suggest to wait before attempting to settle the 100 percent underwater second? SLS continues to make me laugh at their ineptitude. We still have not heard anything from SLS since February. Home values here seemed to have dropped some more so we will never live to see our investment back from the purchase of this home. It is nice not hearing anything from them and having to deal with them but in a way I wish they would just get with the program of sending us a do-able settlement so we can get on with our life! We still have not heard anything from SLS since February. Home values here seemed to have dropped some more so we will never live to see our investment back from the purchase of this home. It is nice not hearing anything from them and having to deal with them but in a way I wish they would just get with the program of sending us a do-able settlement so we can get on with our life! We still have not heard anything from SLS since February. Home values here seemed to have dropped some more so we will never live to see our investment back from the purchase of this home. It is nice not hearing anything from them and having to deal with them but in a way I wish they would just get with the program of sending us a do-able settlement so we can get on with our life!

Although the last two messages they have left have been from actual people and not the same pre-recorded call us back message.

We are not planning on living here for the reat of our life.

And just yesterday my husband was just told his position at work is not secure.

We might need to first time loans sell the house and if the second would settle then there might be a better chance we can get out of it.

We are not planning on living here for the reat of our life.

And just yesterday my husband was just told his position at work is not secure.

We might need to 90 day loans sell the house and free money loan if the second would settle then there might be a better chance we can get out of it. After reviewing your numbers, that could make sense. But, as you know, obtaining the most favorable settlement is a relatively long process. Hence, I recommend you exercise patience and follow the strategy guide. 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 wondered first time loans if I had enough leverage to settle on the second now that the home is still underwater and has had arrears tacked onto the first mortgage?

I checked my credit report and it says the second was a charged-off. I was leaning to contacting them, but do not know the legality of how much time they have to pursue me. I would like to offer a settlement if they would close it out, show it as paid in full and not pursue the difference.

I am self-employed and my salary ebbs and flows with more ebbing than flow... Sure would be helpful to know what leverage, if any was used.

Does anyone know for sure the legalities or statute of limitation in Marylandistan for second liens? I received an extinguishment and so did a close friend of mine. In both cases they wrote or called us, offered the extinguishment and sent the loan center paperwork. If you qualify for chapter 7, it will take no more than a couple of years to rebuild your credit. I have several reward credit cards already, with no yearly fees and I filed in 2013. Question for those that have successfully settled their seconds which were considered paid in full.

I made an offer and ultimately verbally accepted a counter offer. I received verbal agreement that it would be considered paid in full and reported as such within x days.

Did any of your settlements that were considered and reported as paid in full read this way?

Question for those that have successfully settled their seconds which were considered paid in full.


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I made an offer and ultimately verbally accepted a counter offer. I received verbal agreement that it would be considered paid in full and reported as such within x days.

Did any of your settlements that were considered and reported as paid in full read this way?

Today, out of nowhere I received a copy of the Deed of Reconveyance and lien release for our Chase 2nd from 2006.

Even googled the express payday term to be sure i knew what it was lol! Today, out of nowhere I received a copy of the Deed of Reconveyance and lien release for our Chase 2nd from 2006.

Even googled the term to be sure i knew what it was lol! 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. In my research, can they not just foreclose and sell the second self employed loan position and then person who buys it has to deal with the 1st lien and SLS get their principal back? In my research, can they not just foreclose and sell the second position and then person who buys it has to deal with the 1st lien and SLS get their principal back? That would usually happen when the second lien holder realizes that they probably are not going to get any money out of the deal and cut their losses. So the lien they bought for pennies on the dollar, gets sold to another debt collector for pennies on the dollar. Also, in Michigan and some other states, a second lien holder can bring foreclosure proceedings. Kept paying the first, but stopped paying the second. The tricky part is that its not a debt anymore the debt was discharged, but the lien remains. So they are a lien holder attempting to enforce a lien, not a debt collector attempting to collect a debt.

So whether first time loans they keep the lien or sell it, they still have to deal with the first mortgage holder to get any proceeds from a foreclosure sale. I dont think the SOL starts running until the loan is actually accelerated. I dont think the SOL starts running until the loan is actually accelerated. I can see in my online first time loans account with SLS that they are getting property reports for the last 3 months. They have them listed as first time loans appraisal reports but there is nothing about price in them just some photos and acknowledging the outside isnt destroyed.