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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 My pleasure and no, I do not think so since they are 2 separate contracts and entities. If anything, they will just know exactly where to come collect from you and have intel to collect. The instant payday loans no brokers 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. My understanding is that the bank would get money back from the FHA insurers. Would the FHA insurers (government) come after other assets? To the best of my knowledge, they could sue because you pay mortgage insurance to protect the lender and not you in case of default. I think you will be fine and try not to worry about it.

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.

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. Ok so I sent in my paperwork in Dec, kept getting asked for more items and finally thought everything was in like 3 weeks ago according to loans no credit check direct lender my rep. I just got in the mail a notice that foreclosure has been initiated and all prior offers to make current are void. I was under the impression that I would not get a foreclosure notice while trying for HAMP? I had not received any other notices since applying for HAMP in Dec so I thought it was on hold pending a decision. I am going to call first thing in the morning but I am really stressed right now. Anyone give me some thoughts so I dont go crazy until I get to talk with my person? I have pretty much enough cash set aside to bring myself current based on the prior notices though doing so would mean I would just end up getting behind again next month.


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HAMP was my last hope, I can make my payments I just can not catch up and make payments. It may or may not be considered what is called dual tracking. Dual tracking occurs when a mortgage servicer places you in foreclosure while you are simultaneously applying for a loan modification. The Consumer Financial Protection Bureau (CFPB) has rules against this which became effective January 10, 2014, as well as various state laws and the National Mortgage Settlement (NMS) offer protection to homeowners. Basically, a servicer cannot start the foreclosure process if a loss mitigation application is pending. But this may not be considered dual tracking because they cancelled and denied your application and then moved forward with foreclosure which may protect them from any liability. In addition, they may claim that you were not submitting the required paperwork to cover their butts, even though you sent them everything they asked for. The only way to save your home now would be to pay all back payments and fees in full or what is called curing the loan to bring your fast cash advance online mortgage current. But if doing so, you will just be late next month, then may not be wise to do so. 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 Thanks I am hoping to get ahold of my rep. I received nothing loans online no credit check with instant approval loans online no credit check with instant approval that my app was canceled or denied. The letter made it sound like prior offer amount to be current were void not the loan mod. If it was denied I would figure it out but I didnt want to pay anything if I was approved. I saved my last 2 payments and my tax refund so I can cover it and then hopefully incomes let us not fall behind but it would be a struggle again. Was hoping to get approved to get ahead and use that money as security in case incomes fell again. 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 No luck getting ahold of them, left a message again and sent an email.

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I started in Dec and was told what was needed and provided that exactly. Then after I gave that they said it wasnt the right format even though the prior person went over exactly what was needed. I then provided the new format as well and have been sending paystubs and bank statements everytime a new one is received to be sure they cant ask for those too. The last I talked was 3 weeks ago and the rep confirmed everything was received and sent to the underwriter for a decision. I know it can take a while which was fine but now I have this foreclosure hanging over to add onto the stress. I was also reading that there are diversion programs loans online no credit check with instant approval here in PA for my county. The reason they do this is because it is by design. They make much more profit while you are in foreclosure, as opposed to when you are current and or by giving you a loan modification. It is a simple mortgage servicing business model based on economics and profits. Now that you said you are above water and have equity, they can foreclose and still come after you later for more profits. 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 was discharged in BK 6 years ago but I have been current up until Nov. They didnt see the loan mod was canceld or even processed yet so were unsure on what was going on.......... So after the supervisor reviewed they said that it was referred over to foreclosure but it was not filed. I guess sending it to their lawyers to initiate isnt the same as actually initiating foreclosure? They said that that all paperwork was in order and I should hear from my rep by the end of this week or next (not holding my breath so I will call at end of week). It was not denied, it was not even reviewed yet loans online no credit check with instant approval so I can still say a prayer that the mod gets approved and we can starting moving forward. Yes, they often do things like this as a scare tactic because they are essentially debt collectors and fear makes humans uneasy.

Just yuse basic people and sales skills to get you what you want. Hopefully someone there will make things happen for you and next payday loans get you the loan modification you need. The comments payday loan vancouver by me and the materials available at this web site are for informational purposes only and not for the loans for bad credit in nc purpose of providing legal advice.


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Most of the information you find here payday loans chula payday loans no paperwork vista 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.

We thought her career would pick up much faster than it did too. The really sad thing is I feel these programs are for people in our exact position would can make things work and have a plan to right things and really didnt get here from bad decisions. Yet somehow I feel we will end up denied saying we make too much or something yet if I made less then I really should walk away. The programs in place are most often not followed and they do what they want regardless.

This is all business on collecting a debt and making money.

Just please keep in mind they lie, and they lie often. Trust, but always verify and understand they are NOT on your side or there to help. 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. I did receive a letter telling me all foreclosure action was on hold pending the modification. Started this over 3 months ago and honestly didnt think it would take this long express payday loans though if approved I am happy since I have been saving each months expected payment and have about 9000 set aside in case we are rejected and can just catch up to keep the house. It also shows a loans online no credit check with instant approval deficiency in performing a loan modification. It sounds like they have no intention to modify you. If your lender was part of this case then the lender is guilty of contempt of a judgement against them. If you lender was not part of this case then, it is still illegal to do what they are doing to you.

I did ask why it was taking so long as I start this in Jan. Hoping for an answer soon as we loans online no credit check with instant approval are at 8 weeks now, Lender is us bank, no trial payments as I am still waiting in a decision.