Guaranteed unsecured personal loans

In 2009, they made their first attempt at a loan modification. They were current on their loan and because of this, their original service representative told them she could not help because they were current and loan modifications were only for customers that were 3 months or more past due. They stopped making their payments and we went through a vicious cycle of applying for a HAMP loan modification, submitting, resubmitting documents, getting denied and then being told to reapply again because our original paperwork (application, paystubs, and other docs were no longer considered current). Wells Fargo attempted to foreclose on the house in October 2011 even though we were in the middle of another loan modification application. My folks ended payday loans in corpus christi up filing for bankruptcy to protect the house and we continued to fight for our loan modification. Our application was sent to a Home Preservation Specialist from the Bankruptcy department in February 2012.

This process was VERY different from our past 7 attempts at a loan modification (and by attempts I mean 7 different applications, 7 different preservation specialists, 7 different denials). First off, she actually treated us like human beings. When she told us that she would have an answer in a week, we would get personalloans payday loans phenix city al a phone call in a week. If we left her a message on her voicemail, she would call us back five days later. When her computer was updated that we were approved for the trial modification, she called us personally to tell us. Five months after we started our Hamp loan modification attempt in bankruptcy, we were approved for the trial modification. We made three trial payments in September, October and November. In late November, the specialist told us over the phone that our permanent loan modification was approved and we would just have to wait for the paperwork to sign and return and make our payments by the first of the month, beginning December 1. Our bankruptcy lawyer received our loan modification paperwork on December 12, we signed and returned it. I also have not received anything in writing from Wells Fargo that loan is officially permanently modified and they received our signed papers, etc. For those of you who have been successful with Wells Fargo, how long did it take for all of your information to become updated as well as receive any type of document or receipt from Wells Fargo that they received everything necessary from you and the loan modification is now permanent? For those of you still working with Wells Fargo, good luck and keep fighting.

It took us 8 tries in how to get an unsecured loan documentation hell and even when things felt hopeless, we never gave up. I also have not received anything in payday loans no credit check no employment verification direct lender writing from Wells Fargo that loan is officially permanently modified and they received our signed papers, etc.


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For those of you who have been successful with Wells Fargo, how long did it take for all of your information to become updated as well payday loans boise idaho as receive any type of document or receipt from Wells Fargo that they received everything necessary from you and the loan modification is now permanent? After receiving a permanent loan modification it generally mobilemoney takes about 30-60 days before your account will be fully updated with your new terms.

As long as they have been accepting the modified payments everything should be good to go. However, I would not hesitate to contact others at Wells Fargo to ensure your account is in the process of being updated. Personally I would recommend to fire off an email and cc everyone on the following list: 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 guaranteed unsecured personal loans 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 WOW--that is REALLY encouraging....

In my experience, I found that demonstrating the financial hardship which made making the payment a struggle every month, I did not need to default on the loan to get the assistance. Because the incentives to the banks on behalf of the government programs have gotten tougher, the actual qualifying process now will be longer than it was a couple of years ago. Right now your goal is to qualify for a HAMP loan Mod, and have them give you a three payday loans direct lender month trial mod. I would follow up with my Home Preservation Specialist regarding every single document that they requested.

I made sure that they received it, and I would ask them if they needed anything else from me. Make sure you document every call that you make, so that you have a clear and solid log of all of your communications with them. If you no credit check mobile phone think that I can share any other helpful information, I would be more than happy to do so! I did not need to default on the loan to get the assistance. Because the incentives to the banks on behalf of the government programs have gotten tougher, the actual qualifying process now will be longer than it was a couple of years ago. Right now your goal is to qualify for a HAMP loan Mod, and have them give you a three month trial mod. I would follow up with my Home Preservation Specialist regarding every single document that they requested. I believe the process has gotten MUCH guaranteed unsecured personal loans better than it was a few years ago and lenders are generally making decisions in a timely matter.

In the past once a homeowner achieved a trial period, they could easily have had to make 3-10 trial payments or more before a final decision was made.

The chances are VERY high you will receive a permanent modification shortly after the third trial payment is made. The comments by me and the materials available at this web site are guaranteed unsecured personal loans 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 check advance loans 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 Well today was the day that I received my forgiveness and extinguishment letter from WF. Am I free and clear or does it get sold to a collection agency? Thank you so much for sharing your success story and we appreciate the kind words bionicle!!! 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 Well today was the day that I received my forgiveness and extinguishment letter from WF.

Am I free and clear or does it get sold to a collection agency?

This is great news and does not mean your 2nd is being transferred to a collection agency.. 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. This is great news and does not mean your 2nd is being transferred to a collection agency.. We received a letter out of the blue from Wells Fargo today.

We received a letter from them referencing our property which they said was sold as a short sale. They said any resulting deficiency resulting from the short sale will be waived. Going forward they will not attempt to collect any unpaid debt on our loan - we are not required to send any payments on the unpaid balance.

After easily a year of no contact - this has me a little wary.

I found this site about 2 weeks ago when I was googling trying to find answers on how to save my house from foreclosure. I was advised to submit for a HAMP modification and I did. My home preservation specialist confirmed with me on Friday, March 29, 2013 that she had all of the required documentation to submit my info for to an underwriter. I was advised that I would hear back from Wells Fargo in about 2 weeks. I am a little nervous because this is my first house and I spent a lot of money just from closing costs alone. I am really hoping that everything works out well on the first go round on the HAMPster wheel (I Pray about this daily) as I have informed the bank that I guaranteed unsecured personal loans do want to keep my house and pay them, however I got hit hard last year financially. Does anyone have any advice that they can offer that may be able to help my case? I try not to get emotionally attached to my house but I also am a little bothered at the amount of money I have spent my first year in my house already and I want to keep it. We received a letter from them referencing our property which they said was sold as a short sale. They said any resulting deficiency resulting from the short sale will be waived. Going forward they will not attempt to collect any unpaid debt on our loan - we are not required to send any payments on the unpaid balance.

After easily a year of no contact - this has me a little wary. It definitely sounds like one department has no idea what guaranteed unsecured personal loans the others are doing.. This letter was only for your 2nd mortgage correct? 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 guaranteed unsecured personal loans 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. I was advised to submit for a HAMP modification and I did.

My home preservation specialist confirmed with me on Friday, March 29, 2013 that she had all of the required documentation to submit my info for to an underwriter.