Getting a loan with no credit

Please Read our If your business is a DBA, your bank account can be garnished. An LLC, or C Cor would protect your business and bank account.

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 If your business is a DBA, your bank account can be garnished. An LLC, or C Cor would protect your business and bank account. I owe AMEX over 45K and owe Citi over 35K and some other cards for a total of another 20K. I am out of the country, and was without employment for almost 3 months, hence behind a lot of bills.

My current income get cash now with bad credit has gone down drastically, hence cannot afford to pay the credit cards anymore. American Express sent a getting a loan with no credit sheriff to my home in North Carolina, and my wife told them, that I was not there, and that I was out of the country since Jan of this year. You can either go for debt settlement or claim bankruptcy. If you go for debt settlement, you would want to call AMEX. I would do it yourself or get a non-profit credit counseling company to help you. 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 quick loans getting a loan with no credit same day 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 getting a loan with no credit individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our You can either go for debt settlement or claim bankruptcy. If you go for debt settlement, you would want to call AMEX.

I would do it yourself or get a non-profit credit counseling company to help you.

I currently owe almost 25K in taxes for 2014, probably end up owing taxes of 50K for 2015 and then a total of close to 100K in Credit Card Debt.

If I do call the lenders for debt settlement, what should I not share with them to affect the settlement? But you can quickly recover within 1-2 years after BK and be able to obtain credit so your can rebuild. Mail when you come to some sort of verbal agreement.


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You can find the telephone number on your card or your statement. Keep good records of your debts, and your conversations. You will need to do a thorough accounting of your income and monthly expenses. Try not to lie because they have their ways of finding out. Gather the paperwork from your creditors so you have it for reference when you negotiate. If getting a loan with no credit you settle before the court date get something in writing from the creditors attorney saying if you pay x they will dismiss the suit. 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 quick cash payday loans away legally from their underwater mortgages. We have a BK on our record and are looking to re-engage communication with RTR to hopefully settle our 2nd.

By law, RTR is not allowed to call us without permission.

Is it best to just write them a letter giving them permission to contact us with no specifics? We have a BK on our record and are looking to re-engage communication with RTR to hopefully settle our 2nd.

By law, RTR is not allowed to call us without permission. Is it best to just write them a letter giving them permission to contact us with no specifics?

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. So I was a success story a while back on a loan mod. Short version, back in 2010 we declared Chap 7 and everything was discharged. I have not made a payment on my HELOC in about 9 years and have never heard from them as they can not contact me on the debt but never tried to foreclose. So every once in a while I think about the HELOC mainly because 1.

I would like to clear it from hanging over my head, 2. I do have equity in my home at this point, owe maybe 155k on 1st (not reaffirmed) and about 30k on HELOC with the home maybe worth 210k. I do not have 30k to pay off the HELOC so I have hesitated contacting as I dont want them to try to getting a loan with no credit foreclose and want to keep the home.


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Is it likely after 9 years they would try to foreclose if I contact? If I do try do I do it in writing or try to talk to someone on the phone? Five years ago, filed bankrupty chapter 7 and discharged first and second mortgage. Kept paying the first, but stopped paying the second. They cant collect on the debt, but still hold the lien. I only correspond in writing, never on the phone or email. I also never contact them first to talk about a settlement, I just respond to their letters. Im starting to slowly build equity in my home also, so I know it wont be long and they will probably get more aggressive. However, I have no need to sell or refinance so I dont really need to initiate any settlement discussions at this point. Yeah, I also worry about poking the bear too but it has been 9 years and no one has ever attempted to settle with me. I also worry about getting a foreclosure notice demanding the full 30K I owe which I couldnt pay. I feel like after 9 years I may never get an offer to settle unless I initiate it. Yeah, I also worry about poking the bear too but it getting a loan with no credit has been 9 years and no one has ever attempted to settle with me. I also worry about getting a foreclosure notice demanding the full 30K I owe which I couldnt pay. I feel like after 9 years I may never get an offer to settle unless I initiate it. First, go to your county register of deeds and see who holds the lien for the property.

It may still be the original lender, but could of been sold or assigned. A few people on here have been surprised to find out that when they went to the county register of deeds, the liens had been released years earlier with no explanation. BofA was sending monthly statements to me, up until 2014 or so, and has stopped since.

Last company I received a statement from was USAA the issuer but that was around the time of my BK so about 9 years ago. I actually called them the Jan after my BK asking about my interest tax statement and was informed that the HELOC was discharged and while the lien still existed it was not accruing any interest or fees. I stopped worrying about it then until the past 2 years when I wanted to refi. Everything I heard says USAA isnt easy to deal with and I doubt they just released the lien but I will check. I know it was on there 3 years ago when I tried to refi , if the loan was discharged... I feel as though an agent, may have misspoke and meant charged off instead. After six months, or a year in some cases, some servicers charge off home equity lines as uncollectible , and interest stops occurring. The lien still paycheck advance omaha ne exists against the property, but, it allows the bank to mark down the debt -- no longer as a asset on the books, and collect a tax write off.

The money is still owed, but no more interest, or fees accrue. I would go cash advance pensacola fl online to your County, and see if you can pull up property records.

If payday loans instant approval you are unable to to get them online, I would go to the local recorder or... I feel as though an agent, may have misspoke and meant charged off instead.

After six months, or a year in some cases, some servicers charge off home equity lines as uncollectible , and interest stops occurring. The lien still exists against the property, but, it getting a loan with no credit allows the bank to mark down the debt -- no longer as a asset on the books, and collect a tax write off. The money is still owed, but no more interest, or fees accrue. My second mortgage loan was discharged in chapter 7 and there is still a lien against the property. Citimortgage was the original note holder and simply assigned the lien after bankruptcy. So my Chapter 7 discharged in May 2010 and I had a 240K HELOC that was discharged by HSBC. A couple years back I read about some members here getting Lein releases from HSBC.

Friday I got brave and called the recovery division in New York that had my loan. I was told it was so old it would take 24 hours to reactivate the data. I was planning on retiring next year and selling and down sizing and buying with the equity. If I have to pay them off then there will be little equity. So I may just walk and let the 1st forclose then HSBC legitimate loans will get little or nothing So my Chapter 7 discharged in May 2010 and I had a 240K HELOC that was discharged by HSBC. A couple years back I read about some members here getting Lein releases from HSBC. Friday I got brave and called the recovery division in New York that had my loan. I was told it was so old it would take 24 hours to reactivate the data. I was planning on retiring next year and selling and down sizing and buying with the equity. If I have to pay them off then there will be little equity. So I may just walk and let the 1st forclose then HSBC will get little or nothing I actually remember your posts! I guess after a long period of time, they account just become so dormant they take these accounts completely out of servicing. 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 personal loans apply online from their underwater mortgages. Specialized loan Servicing, LLC sent me a IRS form 1098 for 2018 on a heloc loan that was discharged 10 years ago in chapter 7. I have never received a form 1098 since the chapter 7.