How to get a loan with no credit

In other words, hope for the best, but count on the worst. The comments by me and how to get a loan with no credit 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 pa payday loans 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 I believe my second is in a similar situation.

It was insured by AIG and paid off (the previous lienholder was) before AIG was bailed out and it should have been negated by their having claimed it as a loss (right? Assuming one has filed many legal suits both as plaintiff and defendant and has experience with leal research and process of law, as a pro se litigant, would it still cost so much? I know how to countersue against Caliber under the foreclosure docket number, but how do I add HSBC as a Countersuit defendant?

I had tried to modify, got denied, had not been making payments.

GMAC went out business and sold loan to Collection Co.. Shows charged off on credit report but even that is becoming buried on the report.. Yes, you could try a quiet title suit to remove a cloud on title which is this 2nd mortgage. Once you they have where to get a loan with no credit been served , they each have 20 days to file a response.

If they do not respond, you would submit a Defaulted and a Motion for Final Judgment after Default.

However, this will cost you a few thousand to do and they can still respond. If they do which I think someone will, then you would still have to pay this lien off to get clear title.

I think you mortgage is lost in the shuffle and once you try to sell or file a legal claim, this will force them to make it right. I have never seen a 2nd mortgage lien just disappear online personal loan application and or be removed without being paid or settled. I wish I could give you more clear or better news, but I want to be money loans with bad credit realistic with you so you do not count on this vanishing and you having that equity. In other words, hope for the best, but count on the worst. We still have the house and have been researching who might have this loan so we can just sell the house! Indy Mac became One West (they are the last ones to report on our credit report).


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After some digging (we have moved a few times in the past several years! They never reported on our credit report, but One West did reporting account closed.

Faslo changed their name to DTA I found and after more digging they appear to be out of business as well. I have searched and searched to see who may have taken over their accounts and have found nothing other than their how to get a loan with no credit former owners are now running completely different businesses. I feel I have hit a brick wall and quiet title is our only option. My question is , who do we serve in the quiet title action? Someone must be served to be given the opportunity to respond but nobody appears to be in business any more. Do we serve Faslo since they are the last known company to hold the loan? Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan how to get a loan with no credit modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Tried to sell before the dam failed and got no offers. The hurricane that contributed to the dam failure (it was deficient for what do you need to get a loan years and could have gone anyway) also caused damage to the house which while repairable is not in his ability. Given the lake situation, no bank is likely to grant a need cash now with bad credit mortgage to any buyer even if we could find one. With two banks, each owed the same, a short sale is very unlikely. I was convinced that walking away was his only option. Then my niece and her eventual husband loan with no credit expressed interest. If how to get a loan with no credit he walks away, the 2nd will never get paid given the remaining size of the first. I specialize in renovation and construction ground up loans for situations like these. The great text loans for bad credit part about renovation loans is that the home value is based upon After-Improved value which gives you more flexibility on what you can do. 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. My original loan in 2005 was under Fannie Mae, since then it got sold 2 separate times to investors and is not currently under Fannie Mae. My loan is currently w Wells and I was advised that only my current loan situation is a factor. Now everything looks good on paper financially but I still have the 65k and 6. So if you can afford to make the current payment, you are not eligible.


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You are only eligible if you cannot make the current payment but can how to get a loan with no credit make the payment once they modify the loan rate which reduces the payment. When you cannot make the payment, the lender is at risk of a loss on that loan and that is when the perform loss mitigation on the loan which is done to prevent a loss to investors and not done to save your home.

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 The only way to get approved for a loan modification is if you do not have the ability to pay the current rate and payment but can afford a reduced rate and payment. So if you can afford to make the current payment, you are not eligible. You are only eligible if you cannot make the current payment but can make the payment once they modify the loan rate which reduces the payment. When you cannot make the payment, the lender is at risk of a loss on that loan and that is when the perform loss mitigation on the loan which is done to prevent a loss to investors and not done to save your home. 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. 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 how to get a loan with no credit 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 Received a letter today from Veripro Solutions for my 2nd mortgage. Originally the loan was with Greentree, then PNC who charged it off after I stopped paying. Could not get a settlement with SLS since I would not disclose financials. It now appears that it has now been sold to SLS to Veripro Solutions. Should I continue to follow Tom Eason strategy to settle second?


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Is there any updated advice from Tom or anyone else regarding the strategy? What do you think my chances are of getting an offer from Veripro without providing financials? What is the current average settlement percentage that I should be negotiating? I intend to ignore the letter and wait for a call or offer. Yes, I think that would be your best bet to continue the how to get a loan with no credit strategy and ignore them until they make an offer. In almost every case when a borrower reaches out to a debt collector, it puts the collector in the upper hand position because they know you want to settle. The ignore strategy is based on you do not care if you settle or keep the home. Hence, it is a bluff strategy like you would do in poker 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 Yes, I think that would be your best bet to continue the strategy and ignore them until they make an offer. In almost every case when a borrower reaches out to a debt collector, it puts the collector in the upper hand position because they know you want to settle. The ignore strategy is based on you do not care if you settle or keep the home. We tried to short sale then do a Deed in lieu and when Nationstar sabotaged that, we were ready to let the place go to foeclosure. I wrote Veripro after recieving a letter offering to settle with no amount stated... I let them know that I do not care about this 742 Sq ft condo that I will never live in again and have not seen since 2009. I read somewhere that a charge off should show a zero balance. Sorry for so many questions but I do have one more..

The condo is in NJ with a 6 yr statute of limitations.

Been on the CountryWide, BOA, GT, Nationstar, and now VS rollercoaster without an offer to settle(or modify), yet? Thanks in advance to all here who have taken the time to post their situation, give experienced advice, links, and moral support. Never before in my 65 years have fraud, corruption, deceit, foreclosure, bankruptcy, cramdown, foam for the runway, been part of my vocabulary.