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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. Stand up for your rights, the law may be on your side. While making monthly payments seems like an absolute under the mortgage contract, just like in any contract under certain circumstances performance is excused. One such event is called a force majeure which is an extraordinary event or circumstance beyond the control of the parties, such as a war, strike, riot, crime, epidemic, or an event described as an act of God. In many business contracts there is a force majeure clause but not in the mortgage contract. Not to worry, in the absence of such a clause the default is that performance is excused the clauses generally serve to modify the conditions of the excuse. This is also found in the common law in Restatement (Second) of Contracts. Section 265 deals with impossibility that discharges the contract and section 269 (seen below) is about impracticability that suspends performance. The principle underlying the doctrine of force majeure is set forth in the Maxims of Jurisprudence in Cal. Maybe not indefinitely but possibly for the duration.

Under those circumstances, your obligations under the guaranteed direct lender payday loans for bad credit loan approval no credit check contact may be discharged. Specifically, tell them that as a result your performance under the loan contract was rendered impossible or impracticable. You should show good faith at this point by alerting them to your situation. It might not be as effective to spring it on them just as they are trying to foreclose. You could tell them that your performance has been excused and depending on loans online with bad credit your intentions you could assure them that after a given period of time you should be able to resume monthly payments. The banks are going to hate this because in many ways it becomes more their problem than ours.

Since 2007, the LoanSafe money loans loans online with bad credit no credit check 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.


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It meant an awful lot to me then to have you loans online with bad credit there. First, I cannot obtain any legal help aside from an occasional hour or two phone consult when installment payday loans no credit check the budget affords. If you remember, I am permanently disabled from an industrial incident some twenty years ago, and my income is quite restricted because of physical limitations and long term chronic pain medication use.

Their recommendation was to apply for the Oregon Bar Association Modest Means Program which I did, however there are no participating attorneys in my remote county. I have even reached out to a local attorney, but with no response, I cannot see any options left to me. I had over 60 emails back and forth with the admin of the program, leaving no stone un-turned toward success. Given my situation, this program was my only chance to recover my home and business and move forward. Imagine, the only loan requirement is that an owner continues to occupy the property for a five 2 month loan year period! I have been here since 2002, and will happily remain and continue my work. The sweetest deal possible for someone in my position, and lots of other folks.

It seems to me that he would recognize the inherent value of a house and property, and despite civil issues, use some common sense and ensure that the mortgage issue was solved. And why is he telling the loan person something clearly untrue? Or did he think that by denying me this loan that I would give up my house, or agree to sell, or pay my ex-partner off? It feels like extortion, and none of these alternatives are acceptable. All my chances to get my loan back in order---gone. And I guess the ability to reinstate is gone because of judicial process? I wish you all well and will certainly appreciate any and all comments or suggestions. This forum is not as busy as it once was and the income is not enough to support even me working here so we all had to go on to get full-time jobs and in my case, 2 jobs which limit my time here.

In my opinion, the main problem here is your ex-partner and this civil matter.


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Now that legal counsel houston payday loans is involved, it makes it even more difficult to work something out in your favor. The only thing I can think of is to consult with a bankruptcy attorney and see if there is any protections there for you, your business and or your home. It is just going to be hard unless you have the sufficient income instant loans online for bad credit to afford the loan payments. 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 payday loans beaumont tx 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. I am perhaps one of the strangest cases here -or at least so I think.

During our marriage, my ex-wife and I had bought two houses and at divorce time we spit it down the middle. By divorce decree, that she now wields like some sort of prize, she was awarded the home that is now under a very real possibility of foreclosing. This home, mind you, is under my name as well as the loan... Our decree stated that she needed to refi the home under her name in June 2006 and she did not. I, in my very finite wisdom, let that go since she was making the payments and seemed she was not going to have any problems. She even bought other properties and moved out of the house. Unfortunately, she lost her job and now cannot make payments on the house. I have been making the payments for 6 months and now all my savings are gone, my ex is unwilling to help and is essentially blackmailing me with that piece of paper... The home is already two months late and Ocwen customer service is so useless I am not sure what to do.

They patch you call to India and it is virtually impossible to speak with a person responsible for anything.

It is very difficult to explain this situation to a person that truly does not empathize at all. I wanted to stop in say hello and assure you, you are not alone. In the interim please hang in there and know that we are here for you.

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 loans online with bad credit not reflect the opinions of the firm or any individual attorney. Please Read our My husband is pretty much in the same situation. The house he has with the ex is in his name only...

The payment is now a little over 1200 a month now and last month she paid 958 and she is 1200 behind in her escrow account... Its all a game with her, she clearly gets enough money to pay the payment. Once he remarried the chit hit the fan and the games began. We have loans online with bad credit spoke to an attorney and he said the best thing to do is let it foreclose because there is no judge that is going to kick a mother and her kids (whom are all teenagers) out on the street... Good luck list of payday loan lenders to you and really try to not let her run your life.... Let her have the house and turn your back on what happens. In my friends case his ex was also irresponsible and let the house go and though a blow to him because he ries to be on the ball, it was a relief to him to let her sink. My ex let the hose the court gave her go into foreclosure 18 years ago and filed bankruptcy.