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I questioned the wording on what I posted below, where it installment loans in chicago says, You could receive a principal deduction.. Sounds a little fishy coming from BOA, but we shall see. That would be accurate information to cover their butts, of course. Information on a trial approval seems to always be very non committal. 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 Privacy Policy and Legal Disclaimer I received the paperwork, which at this point free loans no credit check amounted to a letter saying that I was approved for the DOJ reduction and I needed to make my three trial payments. After that I would be sent a packet for the permanent loan with the details. I questioned the wording on what I posted below, where it says, You could receive a principal deduction.. Sounds a little fishy coming from BOA, but we shall see. Hi Cat---would you be able to remove this picture because my loan number is on it. I would edit myself, but the option has disappeared. After completing three months of the trial, I received my permanent docs for the DOJ Settlement on July 2, 2013, they gave me until July 15, 2013 to return them. They did not ask for a notary, however I went to a Bank of America Branch and had the Branch Manager notarize them prior to sending them back.

It appears I have a 24 year mortgage (which is the duration that was left on my original mortgage), with a modification effective date of Aug. Quote: the lender may be required to report the amount of principal forgiveness to the IRS and that any tax liability arising out of that forgiveness shall be my responsibility.

I remember reading something last year that said these settlement were exempt from tax liability, is this still the case? However, Lender shall not exercise this option if state or federal law, rule, or regulations prohibit the exercise of such option as of the date of such sale or transfer. The question I have on this would be whether lenders usually give consent to sell property after a DOJ settlement or do Federal or MI laws prohibit them from restricting any sale of the property? After completing three months of the trial, I received my permanent docs for the DOJ Settlement on July 2, 2013, they gave me until July 15, 2013 to return them.


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They did not ask for a notary, however I went to a Bank of America Branch and had the Branch Manager notarize them prior to sending them back. It appears I have a 24 year mortgage (which is the duration that was left on my original mortgage), with a modification effective date of Aug. Quote: the lender may be required to report the amount of principal forgiveness to the IRS and that any tax liability arising out of that forgiveness shall be my responsibility.

I remember reading something last year that said these settlement were exempt from tax liability, is this still the case? However, Lender shall not exercise this option if state or federal law, rule, or regulations prohibit the exercise of such option as of the date of such sale or transfer. The question I have on this would be whether lenders usually give consent to sell property after a DOJ settlement or do Federal or MI laws prohibit them from restricting any sale of the property? In regards to the tax question you will have to speak with a tax professional in your state because as of right now the Mortgage Forgiveness Debt Relief Act is set to expire at the end of this year I am not familiar with MI laws as far as sale of property, you may want to either try to google the information or contact a Real Estate Foreclosure Attorney in your state that may be able to answer that for you.

Or maybe the state AG office 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 free loans no credit check particular issue or problem. The opinions expressed at loans with bad credit history 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 Privacy Policy and Legal Disclaimer I have waited for most of my modification to actually show online and receive my documents back before I posted on here, but I think I almost done. I started this process in March 2013 right after I finalized my divorce.

I was not late and never have been late on any credit I have had including this mortgage so I was concerned when I applied for the modification as I was in the 780-800 fico range on all 3 bureaus, but I needed help bayside payday loans and was concerned that my rate could skyrocket any day and really change my payment to an amount that I could not afford. I completed my paperwork in March sent in the divorce decree, paystubs and transfer deed showing my spouse removed himself from the loan, I was in fact divorced and my income dropped payday loans gainesville fl in half since I no longer had my spouse income.


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BOFA determined I was at risk for personal loans in maryland imminent default. They also could not read my paystubs I sent by fax and I had to resend those several times.

I did have slightly over 3 times my mortgage payments in my checking free loans no credit check accounts, but only by a few hundred dollars (I also explained what that money was for so there was no question that it was not actually able to be used on just anything).

I also re-loaded my statements and some additional paystubs through the BOFA modification sign on once through the process. My CRM stated although it was not required at the time that since it had been over a month since I sent in the application that It would not hurt to send it in before they ask for the updated financials, so I did that about mid April.

Around April 20, 2013 I received my Trial payment package stating to pay my first trial payment June 01, 2013 with final payment on August 01, 2015. I did all of them, calling every week or two making sure nothing else was needed from me and I paid all of pay day loands my payments by phone pay. My CRM set up all 3 payments in April to come out on the first business day of each month.

August 05, 2013, I received on payment change letter stating my payment was going to change to a fixed interest rate, but this letter was not from the same place I had been receiving all my other documentation. August 08, 2013, I received 3 copies of the modification agreement for HAMP(no indication of notarization needed, but I got it notarized.

August 15, 2013, I received 2 copies of signed modification agreements back from BOFA signed from them (well stamped form them). Also on this same day my principal changed for the few hundred in interest that was not paid through the trial plan and my interest changed to the rate stated in the agreement. I made my first modified payment August 29, 2013 through the phone for September 01, 2013. I still cannot pay online even though my terms, balance etc is all updated, even the money in the suspense account has been applied to principal so I am awaiting that final change and to be back into normal processing center.

I am also still waiting to hear now on guaranty loans online my 2nd loan with Wells Fargo for 38k to get that HEline locked in also. I will start fighting that once I have all changes reflected online as well as BOFA sent me a letter stating they were sent the change of coding and remarks to all 3 bureaus from partial payment agreement to modification paying as agreed. Thank you for everyone that posted on this site I have read numerous stories that helped me through my process to make it go as smoothly as possible. I will start fighting that once I have all changes reflected online as well as BOFA sent me a letter stating they were sent the change of coding and remarks to all 3 bureaus from partial payment agreement to modification paying as agreed.

You have been a member here since the first year we started LoanSafe and we appreciate you coming back and sharing your success story in detail. The comments by me and the materials available at this web site are for unsecured loans for you 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. However, Lender shall not exercise this option if free loans no credit check state or federal law, rule, or regulations prohibit the exercise of such option as of the date of such sale or transfer.

The question I have on this would be whether lenders usually give consent to sell property after a DOJ settlement or do Federal or MI laws prohibit them from restricting any quick loans for bad credit same day sale of the property? However, Lender shall not exercise this option if state or federal law, rule, or regulations prohibit the exercise of such option as of the date of such sale or transfer. After 4 trial payments, BOA approved our permanent modification in Oct 2011, and we had it notarized and returned it immediately, but they never properly closed it. I continued to make trial payments over the phone for months, repeatedly asking them whether there was anything else I needed to do to get the process finished. The reply was always No, everything is fine, we have all your documents, just keep making your payments.

Then, I fought with them to get the modification file re-opened after they closed it a full year later for missing documents which they never told me about!

In January 2013 I escalated to the OOP, and have been in contact with Ms.

McCollum, who is very nice but has been unable to help me get the file finished.

Which is destroying our credit which I have been working so hard to improve, and we have never missed a payment. Anyway, just wanted to vent, and maybe somebody has a suggestion how I can get them to do their jobs.