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I redid the process, and got my Trial Mod underway no hiccups, I used UPS for every document I sent that had to be signed for, got the names of the person who signed for them, no credit check payday loans lenders only and called them the instant they got my info.......

Acqura then PAYS the Homeowners Ins, then 1 week later sends a refund check with the premium and a LETTER SAYING I instant loans HAD BEEN DROPPED FROM THE HAMP PROGRAM FOR LACK OF PROOF OF HOMEOWNERS INSURANCE!!!!! Hell, by that time I thought MY LOAN HAD BEEN MODIFIED IT HAD BEEN A FREAKIN YEAR YA BUNCH OF MORONS!!! Bulldoze their way to the most profitable part of the deal, the Foreclosure-profit for them, heartache and sorrow and pain and suffering for you-everybody wins! Then basically try to wear you down, and try to EMBARASS you in front of your family and peers by placing your name in the local paper with you and your wife(Who isnt even on the loan) so that you cough up cash fast to keep it out of the paper. The only thing that me and my attorney have recognized is that when US BANK and Acqura finally realized instant loans that they were in the wrong and that US Bank has basically thrown Acqura under the bus to fall on the sword for this fiasco as my attorney put it, the Banks pretty much think they can bleed you down to nothing, take your cash, then take your home if you dont get help and dont put up a fight.

If you go into anything in the future, this means anybody, as far as a Loan Mod or HAMP Program, just know the end game is that they are gonna try their damnest to put you in foreclosure. If they pushed the envelope EVEN AFTER WE HAD AN ATTORNEY AND A COMPLAINT WITH THE COURT, I can imagine them, JUST OUTTA THIN AIR,making stuff up, kicking out thousands of qualified HAMP prospects out of the program, and just getting all the foreclosures they can get before the Govt catches onto them, well after they have lined their pockets with the hardearned cash from the shattered American dreams of countless people! If you wanna negotiate with these people, the only thing they know is force.... The best advice I can give is to talk to others in this situation...... ASK TONS OF QUESTIONS--- My Rule Number payday loan instant decision 1 when trying to do a LMA or HAMP Program-----Arm yourself for unsecured loans bad credit battle, war, plague, Zombie Apocalypse... YOU ARE GONNA GO TO TRIAL SO HAVE ALL YOUR CRAP TOGETHER IN A FILE WITH ENOUGH DETAIL THAT AN OCD PERSON WOULD GO WOW, I THINK YOU OVERDID IT THERE, BUDDY -----Reason? This is the biggest scam on Earth, and you are dealing with people who should work in a Pawn Shop...

By that time, I thought I was in the clear, having made 3 perfect payments-not before, not after, but exactly on the DUE DATE which Citi and I had agreed on to the penny bad credit no credit loans we agreed on for the LMA trial period. Then imagine my shock when Citimortgage didnt hold up there end of the bargain and sold it to Us Bank(THIS DID NOT FEEL RIGHT-I FELT MISLEAD-PISSED OFF-I DID MY PART,instant loans JUMPED THRU ALL THE HOOPS AND YOU SELL ME DOWN THE RIVER????? I redid the process, and got my Trial Mod underway no hiccups, I used UPS for every document I sent that had to be signed for, got the names of the person who signed for them, and called them the instant they got my info.......

Acqura then quick and easy loans online PAYS the Homeowners Ins, then 1 week later sends a refund check with the premium and a LETTER SAYING I HAD BEEN DROPPED FROM THE HAMP PROGRAM FOR LACK OF PROOF OF HOMEOWNERS INSURANCE!!!!! Hell, by that time I thought best small loans MY LOAN HAD BEEN MODIFIED IT HAD BEEN A FREAKIN YEAR YA BUNCH OF MORONS!!! Bulldoze their way to the most profitable part of the deal, the Foreclosure-profit for them, heartache and sorrow and pain and suffering for you-everybody wins! Then basically try to wear you down, and try to EMBARASS you in front of your family and peers by placing your name in the local paper with you and your wife(Who isnt even on the loan) so that you cough up cash instant loans fast to keep it out of the paper.

The only thing that me and my attorney have recognized is that when US BANK and Acqura finally realized that they were in the wrong and that US Bank has basically thrown Acqura under the bus to fall on the sword for this fiasco as my attorney put it, the Banks pretty much think they can bleed you down to nothing, take your cash, then take your instant loans home if you dont get help and dont put up a fight. If you go into anything in the future, this best funds means anybody, as far as a Loan Mod or HAMP Program, just know the end game is that they are gonna try their damnest to put you in foreclosure. If they pushed the envelope EVEN AFTER WE HAD AN ATTORNEY AND A COMPLAINT WITH THE COURT, I can imagine them, JUST OUTTA THIN AIR,making stuff up, kicking out thousands of qualified HAMP prospects out of the program, and just getting all the foreclosures they can get before the Govt catches onto them, well after they have lined their pockets with the hardearned cash from the shattered American dreams of countless people! If you wanna negotiate with these people, the only thing they know is force....


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We are long past the statute of limitations for debt collection in my state and I want to finally give a complete rundown of what happened to me. I had the help of wonderful people in my life who were also well-off. What happened was I went for about a year in strategic default during which I went through all the attempted mod nonsense I described no interest loan above. I made a side arrangement with the friend who acted as a sort-of lender.

After a few years title of the property was transferred to me. After another couple of years I owned it free and clear. Eventually I sold it and moved into a nicer home thanks to the sale of the first. There are some who might have ethical issue with the possibility of the short sale not being arms length. Have you seen the colossal institutional corruption that brought us into this mess? Just look what Jrm went through above and they were able to afford an attorney. I took advantage of my fortunate position and beat the bastards at their own game. 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. Filed bankruptcy in 2013 and discharged 1st and 2nd mortgage. Did not reaffirm, but continued to stay in house and make payments on both. Looking through my bankruptcy papers and noticed on Schedule D Secured Claims , that Citimortgage had a secured claim of My bankruptcy attorney wants to discuss, but of course wants his usual fee. This would of taken the secured portion down to What is the easiest way to go about settling this second mortgage? I am current on both mortgages, and value of house is now just slightly over what is owed.

This would of taken the secured portion down to - This may be because the property was not worth enough to cover the 1st and 2nd at the time and therefore it was deemed unsecured because there was no collateral to back it up. What is the easiest way to go about settling this second mortgage? I am current on both mortgages, and value of house is now just slightly over what is owed. Not a great question for me to answer, this is a bit unique and I focus on originating new home loans for our loansafe community that has experienced economic events like you are currently. Have read through this forum the last couple weeks and it is really insightful.

I know my situation is kind of unique, so I guess Im just going to break it down and deal with it step by step. The first step I am taking is becoming officially late on my payments.


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Taking the forums advice and will skip 2 or 3 payments and see if they reply. If I dont hear from them, I will send my first settlement offer. It simply loans for low income families means that the bk program used by your attny automatically calculated the claim for statistical purposes.

Chapter 7 DOES NOT in any way, shape or form, strip off any part of a properly recorded consensual lien against real property. While the lender cannot ask you to pay, it can simply refuse to release its lien if not paid the full amount owed under the promissory note you signed. It simply means that the bk program used by your attny automatically calculated the claim for statistical purposes. Chapter 7 small consumer loans DOES NOT in any way, shape or form, strip off any part of a properly recorded consensual lien against real property. While the lender cannot ask you to pay, it can simply refuse to release its lien if not paid the full amount owed under the promissory note you signed. I know they have the lien, but after reading more of this forum and other internet sites, it appears second mortgage holders very seldom will start foresclosure proceedings.

Seems like after bankruptcy, lien holders only collect if 1st mortgage forecloses or house is sold. Of course with the usual bankruptcy language that they are not trying to collect a debt....

But today I did recieve a i need a 5000 dollar loan with bad credit letter from Citi about the Service Members Civil Relief Act. Provided a couple of numbers to call, but I am not a member or former member of the military. So it looks like at least someone at Citi knows Im late. The letter did provide an address to contact CitiMortgage which I had not seen instant loans before: Im thinking about sending a letter to them next week.

Just a very short yes you may contact me about this debt letter. I plan on following the strategy in the forum about settling online payday loans alabama your second mortgage, so will not provide any financial info. Well, month number 3 and nothing new from CitiMortgage. Recieved my regular statement in the mail today and noticed something funny. The total balance has not changed since I stopped paying 3 months ago. Ive saved all the statements and even though I have not made a payment for 3 months, the balance is the same for June, July and August. Really want to send them a settlement letter offer, but following the advice of the forum and waiting until they contact me.