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My home closed with a shortsale on June 19 - one of the happiest days of my life - Since then, my family has been enjoying a lovely rental and saving all our pennies for a new home. In the mail yesterday came a letter from WF - from the same home preservation specialist who assisted and negotiated our short sale. The letter asks for more information from us la cash advance - since we are still exploring options for mortgage assistance. Honestly I can believe it and have seen how screwed up these mortgage servicers like Wells Fargo have been since the very beginning. In any event, congratulation of the successful short sale and thanks for sharing your plight with the LoanSafe community over the last couple years. 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 the loan store 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 away legally from their underwater mortgages.

House sold short in Idaho which has a 5 year statue of limitations for a court deficiency judgement. I live in Mississippi and lived here when the house sold.

Which state is used to figure the statue of limitations - the one I lived in (and still live in) when the house sold la cash advance payday loans in dallas or the state the house is in?

It will be based on where the contract was signed and executed which would be Idaho. They would then have to go to Mississippi in order to file to collect from you. Yes, I was a real estate agent at one time and I found that some Realtors lie and cheat a little so they can make those big commission checks. It was one of the reasons why I got out of the business. The comments by la cash advance 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.


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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 It will be based on where the contract was signed and executed which would be Idaho. They would then have to go to Mississippi in order to file to collect from you. Yes, I was a real estate agent at one time and I found that some Realtors lie and cheat a little so they can make those big commission checks.

It was one of the reasons why I got out of the business. Do you know if the count for the statue of limitations starts when from I how to get quick money stopped paying the mortgage or from when the house sold? 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 how to get loan 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 away legally from their underwater mortgages. The hit is usually 50-100 points as opposed loans online no credit check with instant approval to 100-160 point drop with foreclosure. With some lenders such as Fannie Mae, they may allow you to get a new mortgage right after the sale if you have never fallen behind 30 days late on your payments and then short sale. Also, your personal residence is exempt from IRS via the mortgage debt relief program if you short sale, but not if you walk away. 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. The hit is usually 50-100 points as opposed to 100-160 point drop with foreclosure. With some lenders such as Fannie Mae, they may allow you to get a new mortgage right after the sale if you have never fallen behind bad credit payday loans direct lenders 30 days late on your payments and then short sale.


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Also, your personal residence is exempt from IRS via the mortgage debt relief program if you short sale, but not if you walk away. I thought that the mortgage debt relief ended on Dec. If payday loans cleveland ohio it has been extended then my understanding is that both foreclosures and short sales would qualify for cancellation of debt forgiveness of tax but if not extended then both would be considered taxable income unless you can prove insolvency, am I missing something or am I misunderstanding the laws, please explain, thanks. SOme programs separate from IRS require that the debt not be forgiven in the IRS sense. If you apply for a new mortgage within a couple of years it will make a difference. Mortgage applications ask if you have surrendered a house to foreclosure, deed in lieu within the last three years they mention nothing about a short-sale. Other than that, a short sale introduces new variables, mostly contributing to a general PITA, such as valuation, finding a buyer and getting the bank to approve the amount. In la cash advance either case there may be a deficiency they can sue for but in a short you negotiate it - another variable, whether you can get the deficiency waived - while in a foreclosure it depends on the laws of your state. In judicial states it often is a separate hearing to assess a deficiency. I thought that the mortgage debt relief ended on Dec. If it has been extended then my understanding is that both foreclosures and short sales would qualify for cancellation of debt forgiveness of tax but if not extended then both would be considered taxable income unless you can prove insolvency, am I missing something or am I misunderstanding the laws, please explain, thanks. Also, it was my understanding that the Mortgage Debt Relief Act only applied to refinanced loans.

They did not apply to non-recourse, apply for personal loan purchase money loans. There are lawyers who specialize in going after this type of fraud by real estate brokers. In addition, they have insurance policies for these types of lies called errors and commissions insurance because it is common in the industry. 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.


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Please Read our Moe - I tried and tried to find an attorney who would take him on. The guy is a big name in a small town and local attorneys all claimed conflict of interest. Also how the heck can I find an attorney to take this case? Moscow is 3 miles from WA so many attorneys around there (including Spokane) are licensed in both states. I now live in MS so it is a heck of a distance to go knocking on doors in person to beg and plead.

They go where the money is and who will pay their bills. After all, we live in a capitalist society where greed is king and doing what is right often makes you poor and an outcast kind of like it does for me You can try locating a lawyer via the National Association of Consumer Advocates. An association of more than 1000 attorneys and consumer advocates who have a wide range of experience curbing abusive and predatory business practices. The other option would be to try and file a lawsuit yourself in civil or even small claims court.

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, most likely unless he hired a broker and he is the managing agent. I would assume if he has been in business for that long, he is also the broker. 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 no fax loans opinions of the firm or any individual attorney. Please Read our Many attorneys work for brokers or banks.