Free payday loans

Do they need to be able to show this or does MERS cover this for them? I need a loan today last posted to this forum in 2015 when I was looking at a refi on my primary residence. Since then, I have relocated to another state and things have been quiet. I had let (2) rental properties go in 2009 with the sheriffs sale in 2010. Both had SOJL and I have had 0 contact with them since. I resolved the 1099-C from the primaries through insolvency shortly after the sale. I recently received a 1099-C from Real Time Resolutions for one of them. Should I challenge RTR to prove that they actualy own the debt and go through that process? 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 unsecured loans for you legally from their underwater mortgages. Just to refresh, I am the client whos second lender is suing for breech of contract even though the security first rule applies. It will cost them so much money for attorney and court fees to do this, im thinking it will be less money for us private lender to just pay the arrears and move forward as usual.. I am thinking they may be trying to force you into bankruptcy, as it is a sure-fire way to avoid garnishment. In a chapter 13, you can ask to strip off the second lien.

If the first does non-judicial in my case, the one action rule binds the 2nd. I believe they want to be able to garnish and bK would eliminate that for them. I believe they want to be able to garnish and bK would eliminate that for them. I believe they use financials to perform a BK means test. This is why, to me, no HAMPster wheel divulging of financials is worth the risk. We are trying to decide if we should walk away from house, or just try to settle 2nd. We are not going to continue to live in house, but could rent in the meantime. Does renting affect your negotiating power on the house? Is just defaulting on 2nd loan much better for credit than an eventual foreclosure? How could your attorney retainer be more than the balance of your 2nd?

My question is what department as I suppose to be negotiating with? I started getting calls from Wells Fargo Home Preservation to see if I still needed assistance. I received a notice from Wells Fargo Home Equity Collections Servicing and started receiving calls from the phone number 1-515-324-8000 (although they left the return number as 1-866-992-0966).

Should I be returning their calls to negotiate a charge off?

Just read my last post and I think I need to get this mortgage lingo correct... I received a certified letter from WF telling me that I may be eligible for PAYMENT RELIEF on my loan sent by the Home Equity Collections Servicing. I will be ignoring this letter and waiting for a settlement for a percentage of the loan. If all the money from the heloc was used to pay for the house (ie. Just make sure that in the escrow the loan money went straight to the seller and not a check to you which you then gave to the seller. A charge off is simply an accounting term to acknowledge that the debt is most likely uncollectible. I thought that info was here but maybe it was a different thread. Therefore I did a simply thread search and realized that this thread was indeed where I saw the questions answered. Therefore I decide to post the results I found and the search term to get them. Luckily we have not only the forum search function but the thread search function as well. Filed BK7 in 2009 and have not reaffirmed either the first or HELOC. I contacted them about 9 mths ago and was told the loan was charged off. We really would prefer to keep the home if and would make GMAC whole if BOA would settle at a reasonable amount. I had not heard from BOA since my call 9 mths back so I sent them a letter about 2 months ago informing them that I could be contacted for settlement since I think they cannot contact me due the BK but have heard nothing. I have read most of the thread and believe I am following the guidelines but is there anyway to kick start BOA.

I fear that because the BK has precluded them from contacting me (and who knows if they received my letter or not) that I have to do something. It matters not a wit whether BOA contacts you or not. Because the generally accepted rule is for one to get their 1st permanently handled before worrying about the 2nd. Lynnd - Do you have any idea why if WF charged off the loan they are still interested in what you pay the collections agency. Is it not the case that WF sold your loan to the CA and then it is up to the CA to make as much profit as they can? Do you have any suggestions on how to effectively counter? Or, you might just choose to forget about ever settling this loan. That, of course, depends on your age and other factors.

FYI, a CA is a collection agency, not a debt buyer. The owner of the debt contracts with a CA but still retains ownership. However, if a person or entity were to actually buy free payday loans that debt, then they would be legally entitled to foreclose on that loan. There have been 3,740 posts, and every conceivable question and situation has already been addressed at least once.


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There have been no novel questions or new situations in many months. The thread, while still very popular, has become overly long and unwieldy. Although the thread is closed, all of the posts and information will remain accessible. Visitors can utilize the thread search tool to find answers, or just browse the pages and posts to learn more about the subject. 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 how to get a quick loan with bad credit legally from their underwater mortgages. However, we have received what I think are suspicious mailings, twice now, from a group called Aspen G LLC, claiming to be a company to whom we can pay our 2nd, and referencing, in passing, our current holder. The suspicious part, to me, is that they also reference First Franklin, who was our original lender back in 2005, and who sold the loan in 2009 or 2010. They claim to have filed papers with the city in which we live, and this paperwork says that First Franklin has granted rights to someone else called US Mortgage Resolution. Also, my credit report indicates that my second was free payday loans charged off (also referred to as written off back in 2014. So, I am going to speak to to Citi and offer to pay the Heloc in full NOW (well, in the next 3 months) in one lump sum, IF they can agree to a discounted amount. We were finally sued by BOA on our SOJL one free payday loans year shy of making it to the SOL. We initially attempted a settlement with Greentree Servicing for BOA which free payday loans they refused and house went into foreclosure.

Greentree was horrible and even had people come to our house and leave letters on our door, they told me I should pay the second before I buy groceries for my kids. However, we have finally been negotiating with a law firm after being served with papers and they were professional and have made the process bearable. We were finally sued by BOA on our SOJL one year shy of making it to the SOL.

We initially attempted a settlement with Greentree Servicing for BOA which they refused and house went into foreclosure.

Greentree was horrible and even had people come to our house and leave letters on our door, they told me I should pay the second before I buy groceries for my kids. However, we have finally been negotiating with a law firm after being served with papers and they were professional and have made the process bearable. Hello 1queen3kings, just to clarify, you settled with the law firm for Greentree after the house was foreclosed on?

Hello 1queen3kings, just to clarify, you settled with the law firm for Greentree after the house was foreclosed on? Our house foreclosed in 2010 so no we do not still have the house. The second mortgage became a sold out junior loan when we foreclosed. We attempted a settlement for the second prior to foreclosure with GreenTree (who was servicing the second loan at the time for BOA who owns the loan) without success.

No word from second for 5 years until we were served with the lawsuit prior to the SOL running out for the entire second loan amount.

The settlement was reached with law firm representing BOA prior to going to trial. The gal on the phone mentioned she needed me to call her back in reference to the 2nd mortgage but made no claim as to being the holder of said mortgage. I do not want to cry victory yet, but it is still overwhelming as I never thought I would get this far and definitely not this fast as I just started this journey. I am extremely tempted to accept as I want to put this behind me, move on and also take advantage of the Debt Relief Act (I understand that it has been extended to cover 2016 right?? However I am very worried to proceed because of the following part in the letter: Upon receipt and clearance of all funds, we will notify our client that you have satisfied your account. Our client, Citibank, will be responsible payday loans north augusta sc to release its lien associated with this property and waive the deficiency balance on the above listed account. There is nothing in the letter guarantying that the lien will be released and nothing about about what will happen to my credit.

Next I called Citi directly and got confirmation about the settlement agreement. However Citi is telling me that they cannot give me a letter either because everything is being handled by Alliance One. So I am very worried about paying the money, and then finding out later that Citi can: Does anybody know if this is standard if dealing with the collector? Did anybody face this situation and was able to convince them to change the letter? I am so worried that this could be a scam and that they might be fooling me just to get the money and then end up having Citi coming after me in the future or having to fight for the lien. DEMAND to have in writing that the account is paid in full or settled in full and it is clearly stated that lien will be released on your home.