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Because after all, we will modify you now and we ARE sorry this happened.

And after all, now that we are modifying the loan and not foreclosing on you, your damages are truly de minimis. To bring you up to speed, my attorney contacted me today and said that US Banks loan servicer, Acqura, called him with a preliminary offer of rescinding the foreclosure, pulling back all the late fees charged in error, refunding all the money I have paid to have homeowners insurance outside of the escrow acct they were supposed to have for taxes and insurance, and my attorneys fees. I guess they want to avoid going to trial, so I said that sounds all well and good, let me think about the past 12-16 months of embarrassment of having US Bank have my name in the paper and having a foreclosure sale postponed 11 times, then having them disregard the complaint he filed and them going ahead with the sale at their own peril. I told him if they want to settle out of court, how much cash are they willing to part with to put a smile on my wifes face that has vanished ever since she has been so embarrassed to go outside in the neighborhood and go to church while everyone knows your business and that your house is in foreclosure due to the banks incompetence?

Never mind the cost of Xanax for stress and ulcer drugs and the stress on the family? He said he would call me back but it looks like they are caving in on this game of high stakes chicken.... She gave me her card, and simply introduced herself as the realtor that handles foreclosure sales and if I knew or not that my house has been sold to US Bank in a foreclosure proceeding? And she was there to offer me money to move out on Feb 8th, and not to take no as an answer? I then gave her the card of my attorney and told her to call him with any questions she may have,and that I was not moving out, and he would bring her up to speed. I told her to hang on, and yelled at my wife Honey, how much money will it take to move outta her by the 8th of Feb? My wife, without missing a beat said 50k outta do it I then thanked her for her time, but also informed her that this foreclosure was done in error, and it had been dismissed about 12 times prior, and even after my atty filed a formal complaint on the state and fed level, US Bank went thru with the sale, and will pay dearly for it. I asked her who is pulling her strings, and she said it was Green River Capital that was doing the Eviction servicing for US Bank, and she gave me the name and number of the contact person who was telling her where to go and who to see.

I loans online instant approval told her, thanks for her offer, but I decline and told her to tell her boss to contact my atty whose name is on the card. I then sent off an email to my atty and he will get it in the morning. Follow me here, but it seems that US BANK is working both sides toward the middle....

They ignore the complaint that was filed by my attorney in hopes that I would cave in, then, it seems once they realize I have a case, they are gonna offer some sort of LOAN MOD and admission of error, all the while DRAGGING THEIR FEET, while the other hand, the EVICTION process is in full roar, seemingly to throw me out of the house, even though they are in the wrong,, and simply ask for forgiveness later, hoping that all the stress and atty fees will bleed me dry to where I give up?

I have a house full of kids, 3, ages 7,4,2 and all of our stuff, and if this goes down like I think they are trying to make it go down, I will go to jail before anyone tries to trespass on my property that was sold illegally..... I want them to pay thru the nose, but its my understanding that they just want to modify the loan minus late fees and not pay any other monetary relief? Now it seems Im up against the eviction process BY DESIGN..... I am in Alabama and I dont know if calling a senator or congressman even matters anymore.... They are each going on about their business without a care in the world - and it is the fault of LEGAL for letting it happen. I just wanna know if there is any precedent for this type of behavior? I wanna know if anyone has fought this and won, and if they won, what did they get? I dont see how any of this crap is REMOTELY legal, and what shocks me more is how MANY PEOPLE HERE GIVE UP SO SOON WHEN THE BOOGIE MAN GOES BOO! Trust me, GETTING AN ATTY IS THE BEST INVESTMENT YOU CAN HAVE----YOU WILL GET YOUR MONEY BACK--THEY CAVE IN, THEY PAY HIS BILL.. As much as I would love for this nightmare to be over, I really really want to go to trial..... I pray there is special corner in Hades for these people.... When you get to talk to your attorney tomorrow, ask if there is a Redemption period in AL.

Do you know the timeline for litigation in your County? It is another legal expense, but I would surely be tempted to talk about a Temporary Restraining Order loans online instant approval to toll any statute of limitations and any eviction proceedings pending the outcome at trial, if you are likely loans online instant approval to run up against any tight timelines.

Since you are represented, your attorney can best advise you.

The loans online instant approval Realtor showing up at your door is just the last straw. It is easy to see this as further deliberate disregard for your property rights, and attempts at stealing your home. Might loans for single parents they make a tidy profit from the foreclosure? If you have not already done so, you should file complaints with your State Attorney General, and the new Federal Consumer Financial Protection Bureau. Any politician should be glad to grab this story in an election year!!

Nothing to do there but watch the Texaco sign rust. 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. I want to talk to Citimortgage to re-negotiate my interest only loan which is coming due for full principal and interest payments in a few months. Does anyone have the latest Executive team contact information for Citimortgage?

They used to help here on LoanSafe and even had their own website for struggling homeowners, but have since taken it down. Citi Mortgage executives seem as if they do not want to be bothered.

This is the same MO almost that all mortgage servicer and lenders take. 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 payday loans lenders online 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. We were lulled into a false sense of security by the HAMP rules we naively believed the banks would follow.

In no credit check direct sell your lenders my own case, US Bank told me It has taken months, but we are now being reviewed for the HAMP mod (clearly eligible) and the sale will be rescinded when we accept the terms. There is loans online instant approval equity in the house for the benefit of the bank. It seemed like a good plan - pay the banks to modify the loans, people keep their homes, and we all win!


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We are in a very challenging situation - without a lot of help, in many cases. I agree that a good attorney is indispensable-if you can afford one and that too many people just cave early on. Sometimes it just gets to be too much, and we give the house back to the bank. There are countless stories on this Forum of the health effects of this foreclosure mess - it takes a terrible toll as you have seen in your own house.

I hope that you are able to recoup some of your expenses, keep your home, and get a The only reason I got an attorney is after I had gotten the run around and Cat and Moe both suggested that I look at finding an attorney and getting all of my ducks in a row to where anyone with common sense would see how jacked up this whole thing is. I simply went to Google and did a search, and found an atty with great reviews. I then gave him the merits of the case, backed up with bank statements and timelines and letters to and from both servicers, and he told me up front what the cost were and that he would work with me with a pay plan since he felt we could get some sort of relief in the form of lawsuits, etc. I will keep you posted, but like you said, it was the last straw when the realtor showed up and was kinda snooping around the house.... My Rule Number 1 when trying to do a LMA or HAMP cash quick Program-----Arm yourself for 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 we agreed on for the LMA trial period. Then imagine my shock when Citimortgage didnt hold up loans online instant approval 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,JUMPED THRU ALL THE HOOPS AND YOU SELL ME DOWN THE RIVER????? Thats when the gloves came off-I then consulted with an Attorney, which advised me to document everything I did, at the time and hell, tape record every convo I had with Acquras reps when I could until I get the desired result.