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Since your BK didnt go through, may I ask how you intend to safeguard yourself from a deficiency judgement? Our attorney advised us to wait it out and then file payday loans in greensboro nc a Chapter 7 after the foreclosure. All along we were receiving letters from the courthouse, each step telling us what was happening next.

Like I said, last notice we got was assignment of referee.

From that point you usually have at least a month, the notice has to be published in the newspaper for four consecutive weeks telling the sale date and where. I believe the owner of the mortgage AHMSI or DEutsche bank or whatever trust name is attached, Must bring a foreclosure complaint via the State court. I believe even tho you filed the BK that whatever entity is claiming ownership must proceed thru the state court system and I believe that Neither of the entities AHMSI, Deutsche, or loans up to 1000 the name of american cash advance the trust, have proper STANDING to bring the foreclosure in the state court. I personally would not contact AHMSI nor apply for any mods. I would wait it out and force them to file the foreclosure in state court. I am in NY state and suggest you do a search for bank walkaways,I have discovered several instances where banks have started foreclosures then walked away and filed a notice to release lis pendens meaning they are canceling the foreclosure action. You can go to the county clerks office and look up your name and see the lis pendens that was filed and see if a cancellation of the lis pendens was filed. I believe the lis pendens is only good for prosper com loans 3 years but not positive. Check and see if your taxes are still being paid and your insurance policy also. Hi, the bank is still paying taxes and insurance and we are still in the house! Have not made a payment on our primary home in New Jersey since 2009.

Appled for a Hamp in Fall of 2012 and was denied a year later. Wells Fargo then sent us a letter that there were no other options for us so they will start foreclosure proceedings. House is not worth anything close to what we paid in 2006. Have not made a payment on our primary home in New Jersey since 2009. Appled for a Hamp in Fall of 2012 and was denied a year later.


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Wells Fargo then sent us a letter that there were no other options for us so they will start foreclosure proceedings.

House is not worth anything close to what we paid in 2006. If you have not heard from your mortgage company or your servicer in over two years and the taxes are still being paid.. Do not attempt to contact them, what would be the point.. If your file is buried at the bottom of loans for bad credit direct lenders only a large stack of other files, then hey, keep it buried.. They will get to you eventually, why speed up the pace.. If you have not heard from your mortgage company or your servicer in over two years and the taxes are still being paid.. Do not attempt to contact them, what would be the point..

If your file is buried at the bottom of a large stack of other files, then hey, keep it buried.. They will get to you eventually, why speed up the pace..

LOL The banks are well aware that NYC will take your house in a minute for not paying taxes and enter in quick payday into the NYC tax lien sale.

Since 2007, the LoanSafe forums have helped millions of cash advance san antonio 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 just received a loan modification in the mail today. The numbers are fantastic with a drop of almost 700.

The big drawback is that they are asking for a contribution of 7500. Do I contact them ask them about the loan mod and the lack of up front money? My heart sank when I read the amount of the contribution. Do I sign the papers and send them back without the money?? I have received a loan modification to my liking but I cannot afford the upfront money they are asking for. My relationship manager number is always busy and I cant contact anyone other than a run of the mill telephone rep. Are there any links or information for contacts to escalate this? They screwed up my original modification by putting my wifes income down as weekly instead of bi-weekly, they admitted their mistake but now I get this modification that asks for 7400 upfront. The original mod asked for nw money but higher interest and payment.


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This one asks for alot of money and lower home payment. I just received a loan modification in the mail today.

The numbers are fantastic with a drop of almost 700.

The big drawback is that they are asking for a contribution of 7500. Do I contact them ask them about the loan mod and the lack of up front money? My heart sank when I read the amount of the contribution.

Do I sign the papers and send them back without the money?? Most modifications (almost all) do not require any upfront fee besides the first new modified payment. Homeward should have all of your financial information including bank statements so they should be well aware you do not have these funds available.

You definitely need to contact Homeward immediately to discuss this payment and see if they would be willing to accept it over x amount of payments, or possibly get them to add this amount to the back of the loan. Do not send in the paperwork without contacting them first because they may void the modification if they do not receive these funds along with 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. Please Read our Privacy Policy and Legal Disclaimer Is there a contact person there that you would know of.

I am looking at my documents now and it states borrower contribution of 7262.

Most modifications (almost all) do not require any upfront fee besides the first new modified payment. Homeward should have all of your financial information including bank statements so they should be well aware you do not have these loans up to 1000 funds available. You definitely need to contact Homeward immediately to discuss this payment and cash in an hour see if they would be willing to accept it over x amount of payments, or possibly get them to add this amount to the back of the loan.

Do not send in the paperwork without contacting them instant payday first because they may void the modification if they do not receive these funds along with it.. I called the number you provided and they told me that the money I have to contribute is money that is in my suspense account. I still find this a bit odd that they would write the document that way.

However I did document my relationship managers name date and time I called. I would assume that this is correct information since she did check on the information.

If this is the case they we have another Wells Fargo Loan Mod success. Payment went from 1852 with tax to 1130 by dropping interest rate and offering a balloon payment in 21 years. I called the number you provided and they told me that the money I have to contribute is money that is in my suspense account. I still find this a bit odd that they would write the document that way.

However I did document my relationship managers name date and time I called. I would assume that this is correct information since she did check on the information. If this is the case they we have another Wells Fargo Loan Mod success. Payment went from 1852 with tax to 1130 by dropping interest rate and offering a balloon payment in 21 years. If they are stating that is money from your suspense account, then it would not be from out of pocket, but rather it would be if you had made trial payments which are reduced payments that are held in suspense. Here is another contact for you to try to clarify this new information 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 emergency cash now loans up to 1000 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 loans up to 1000 the individual author and may not reflect the opinions of the firm or any individual attorney.