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What I never could understand was the short Sale.... I also agree, if they would permanently reduce the prinicpal and base the payment on the TRUE value of the home,it would be a better solution than foreclosing. So for five years personal loans no credit history we have a payment that is only somewhat affordable.

Due to unforseen permanent medical issues my husband is no on Soc. Now, had they did a true principal reduction to the actual value of the home, which is loans online no credit check about one half of what we owe now, I think we would be in a better position. We still cant pay the credit cards,(still behind and in collections), so our credit is just as bad if not worse than before, have to loans online no credit check scrimp and save just to buy the groceries, and buying new clothes is a thing of the past, resale is how we shop. I know of many people who say they have no qualms about just walking away from the home, and would rather rent than own. Banks had better do something the worst is yet to come. Now on to what he is mandated to do per the EESA Law, his job is to protect the tax-payer at minimum cost, so as you can clearly see loans online no credit check this is his way of protecting you! If you were turned down for the HAMP-Program and offered (1) of the following type of MOD, it is more likely that your loan has been pooled into a structured mortgage product, which has many-many Description names. Why are you not following the Law-To-Maximize Assistance, you and Buddy-Ben are only maximizing the banks and Wall-Street! So for five years we have a payment that is only somewhat affordable. Due to unforseen permanent medical issues my husband is no on soc. Now, had they did a true principal reduction to the actual value of the home, which is about one half of what we owe now, i think we would be in a better position.

We still cant pay the credit cards,(still behind and in collections), so our credit is just as bad if not worse than before, have to scrimp and save just to buy the groceries, and buying new clothes is a thing of the past, resale is how we shop.


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I know of many people who say they have no qualms about just walking away from the home, and would rather rent than own. Banks had better do something the worst is yet to come. Most 1st losses on foreclosures are borne by taxpayers.

HAMP is a great program the banks agreed to (Ok forced under TARP). They refuse to abide by their agreement, they refuse to do what they said they would in AG lawsuit settlements and now being sued by many including State Attorney Generals for consumer fraud. Basically they know they are too big to fail and sadly take the attitude they are also too big to follow agreements or Court civil judgments. There is no law that violates existing contracting law or power to force banks to make mods - only their signing participation agreements which they violate but its a civil matter and there are no practical ways to enforce. For mortgages involved in assets purchased by the Treasury Department, the Treasury Secretary is required to implement a plan that seeks to maximize assistance for homeowners, and encourage the servicers of the underlying mortgages to take advantage of the HOPE for Homeowners Program of the National Housing Act or other available programs to minimize foreclosures. Furthermore, the Secretary is allowed to use loan guarantees and credit enhancements to encourage loan modifications to avert foreclosure.

The bill does not provide a mechanism to change the terms of a mortgage without the consent of any company holding a stake in that mortgage. Note the last sentence - no power to violate contract law.

Most 1st losses on foreclosures are borne by taxpayers. Hamp is a great program the banks agreed to (ok forced 90 day loans no credit check under tarp). They refuse to abide by their agreement, they refuse to do what they said they would in ag lawsuit settlements and now being sued by many including state attorney generals for consumer fraud.

Basically they know they are too big to fail and sadly take the attitude they are also too big to follow agreements or court civil judgments. I agree they are in essence defrauding all Americans in the sense that without HAMP solutions to avoid millions of foreclosure it is part of why we have such a slow recovery as usually housing leads a economic recovery (new home building etc) and all the foreclosures reduce the property values of everyone.


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There is no Federal consumer fraud law that I know of. The State Attorney Generals are doing what they legally can - civil suits for consumer fraud etc loans online no credit check for lying, losing documents, and misrepresenting the fact they are following HAMP when they are not. Sadly the banks are winning the only hope I see is if shareholders get upset enough and media picks up more on FRAUD angle which is strongly alleged backed by specific examples in the lawsuits by AZ, NV and many other Attorney Generals.

Some of these AG actions are against Bank of America but all banks are pulling the same tactics. Yelling fraud and attacking emotionally the banks is counter productive payday loans compare but we now have the highest attorneys in the U.

But we america payday loan are a nation of laws and Courts not a dictatorship.

I get upset when folks blame Obama or Treasury etc when they have done all they can but loans online no credit check they can not legally do anything more.

I agree they are in essence defrauding all Americans in the sense that without HAMP solutions to avoid millions of foreclosure it is part of why we have such a slow recovery as usually housing leads a economic recovery (new home building etc) and all the foreclosures reduce the property values of everyone. There is no Federal consumer fraud law that I know of.

The State Attorney Generals are doing what they legally can - civil suits for consumer fraud etc for lying, losing documents, and misrepresenting the fact they are following HAMP when they are not.

Sadly the banks are winning the only hope I see is if shareholders get upset enough and media picks up more on FRAUD angle which is strongly alleged backed by specific examples in the lawsuits by AZ, NV and many other Attorney Generals. Some of these AG actions are against Bank of America but all banks are pulling the same tactics.

Yelling fraud and attacking pay day loan store emotionally the banks is counter productive but we now have the highest attorneys in the U.

But we are a nation of laws and Courts not a dictatorship.

I get upset when folks blame Obama or Treasury etc when they have done all they can but they can not legally do anything more. This nation called the United States Of America was founded and built upon we the people defying tyrants and oppressors. Many thousands of activists over the past 200 plus years have written words of free speech, whereby even our founding fathers have name called and ranted and raved loans online no credit check and taken up arms to stop those in abusive power from attacking we the people. We the people and our government must by any legal means available to us, stop them from continuing to defraud us and destroy us.... This bad credit payday loans lenders would include dictating to the defrauding banks, who broke the law in the first place, to provide all those homeowners whom they defrauded, with loans they can afford. However, there are many in power who do know how to bring the Scum Bag, Scoundrel banks to justice, through the laws of United States of America..... This nation called the United States Of America was founded and built upon we the people defying tyrants and oppressors. Many thousands of activists over the past 200 plus years have written words of free speech, whereby even our founding fathers have name called and ranted and raved and taken up arms to stop those in abusive power from attacking we the people. We the people and our government must by any legal means available to us, stop them from continuing to defraud us and destroy us.... This would include dictating to the defrauding banks, who broke the law in the first place, to provide all those homeowners whom they defrauded, with loans they can afford.