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They know you have equity and they may deny you so they can try and take your home back. I filed for bankruptcy and my mortgage debt was discharged.

I was told I could get a loan modification to prevent foreclosure. I tried to work with Bank of America for 2 years to get a loan modification.

I received several denials given a different reason each time. BOA filed a Summons and Complaint against me Oct 2013 but did not serve me until May 2014. I received notice from the Judge Nov 2014 that my 100 day loans reviews foreclosure could proceed. In June 2015 I was finally granted a loan modification and the foreclosure stopped. I am now in the same difficult financial situation and cannot make my loan modification payments. Right now I feel just to let it foreclose this time. I would like to know how long I have to reside in my home until BOA forecloses.

I was told that because I worked with BOA on a loan poor credit personal loan modification halted the foreclosure process so it would be shorter time to foreclose and then I was told it could be 3 years since NY is a judicial state. I have kids and although they are older I really need to know how long I have? I filed for bankruptcy and my mortgage debt was discharged.

I was told I could get a loan modification to prevent foreclosure. I tried to work with Bank of America for 2 years to get a loan modification. I received several denials given a different reason each time. BOA filed a Summons and Complaint against me Oct 2013 but did not serve me until May 2014.

I received notice from the Judge Nov 2014 that my foreclosure could proceed.

In June 2015 I was finally granted a loan modification and the foreclosure stopped. I am now in the same difficult financial situation and cannot make my loan modification payments. Right now I feel just to let it foreclose this time. I would like to know how long I have to reside in my home until BOA forecloses. I was told that because I worked with BOA on a loan modification halted the foreclosure process so it would be shorter time to foreclose and then I was told it could be 3 years since NY is a judicial state. I have kids and although they are older I really need to know how long I have? 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 small loans no credit author and may not reflect the opinions of the firm or any individual attorney.


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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. I recently posted this question at the end of a thread that was last active in 2015 so I thought I would re-post as new in hopes that it may be seen. Thank you so much for any suggestions you may have. Our house is worth less than our first and they have charged it off.

My husband has been doing all the talking with them.

We ignored the initial packet bad loans they sent us asking for every piece of financial info we had. They called him the next day and said they brought another person in and emergency money loan needed a few pieces of info in order to consider the offer (as I know now after reading up here that was a lie). The requested info was not as extensive as the packet. There was no filling out of paperwork, just statements. I recently posted this question at the end of a thread that was last active in 2015 so I thought I would re-post as new in hopes that it may be seen. Thank you so much for any suggestions you may have. Our house is worth less than our first and they have charged it off. My husband has been doing all the talking with them. We ignored the initial packet they sent us asking for every piece of financial info we had. They called him the next day and said they brought another person in and needed a few pieces of info in order to consider the offer (as I know now after reading up here that was a lie). The easy to get payday loans requested info was not as extensive as long term loans with bad credit the packet.

There was no filling out of paperwork, just statements. If your 2nd is totally underwater ( you mentioned your home is worth less than your 1st mortgage), and BofA has charged it off, AND your are current on long term loans with bad credit your 1st, they most likely will not foreclose. Following the Strategy for Settling your Second would mean going silent long term loans with bad credit on them now. We are in the same boat, but our 2nd is partially in the money now. More often than not it is sold to a collection agency. My advice is to just not worry about it and wait until they contact you. There is really nothing you can do now and worrying would be simply a waste of time and not worth the stress at all. They did call my husband back and said the best they could do was 50 percent because we owed so much...

So my husband told her then I guess we have nothing else to discuss. I read somewhere that they sometimes garnishes wages... I will assume you took out this equity line sometime after you purchased the home.

Assuming state law does not preclude your 2nd from suing under the promissory note you signed (very few, if any, do if it is a true 2nd mortgage), at some point either the lender or the junk debt buyer may elect to file a law suit based upon long term loans with bad credit the loan obligation. Once it gets a judgment then, yes, it can collect upon the judgment as allowed under state law and that can include wage garnishment. Cannot really say but, in my state I am seeing it more and more.

I do anticipate however that such action will become less and less as property values increase to a level that justifies foreclosing instead of obtaining a money judgment. From what I see online, that would be Commonwealth bank? 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. CANT fight u way out of a paper bag much less a corrupt industry HELL bent on robbing each and every American of the homes and assets, equity, and pride? So u r telling the world at large u can hunker down in a muddy ditch, cold ,hungry and following orders for our country but u find u self at long term loans with bad credit a loss on how to fight for u homes? Many many men and women pride themselves for being the loans in laredo tx head of household, provider, protector of their loved oned. The problem with most Americans is that they live in an illusion thinking that the lenders are going to help them or the government will make them. When they do not, they then think that making an online complaint and or complaining online will help when the facts prove otherwise. I have tried to organize people and have even protested in Washington DC and on Wall Street CEO front lawns. But so few people are willing to protest and or fight back in an long term loans with bad credit organized matter that it turns into a 10 year mortgage circle jerk.

The facts are that most people are inherently selfish and often only care about their own problems. They cannot see outside their own wet paper sack to see a million others trying to fight out of the same sack. The comments by me and the materials long term loans with bad credit 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 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.


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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.

Unfortunately, I see complaints and no solutions posted ANYWHERE!!! It is heartbreaking knowing our governments mad with greed and actually partners in crime with these companies. They offer modifications, extending loans another 30 to 40 years! Mortgage companies were bailed out, why must we jump through hoops with no true relief for our situation? One of the more blatant in your face moves being done is first of all the whole MERS system going against the local county recording rules that have been set in place for decades. But, worse than that even is the shocking fact that if and when you are fortunate enough to finally pay off the mortgage?

When you pay your house off in full, the note is returned to u with it saying lien is no longer attached to the home. But, if they never had the note ( after being sold multiple times) how can they give it back stamped paid in full? Literally, the most important piece of evidence of fulfilling the biggest obligation of your life..... Homeowners have lost everything, sometimes committing suicide because the stress was too much. Slave to the requested papers, yet the golden egg of all papers that we are supposed to get back, is not delivered in original paper form is no big deal, non-existent.

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 received a letter today stating I have to be out of the home by May and the deficiency is zero. I immediately declined and advised that this information was not on the letter. Then the wells fargo specialist emailed me a copy of the letter.

When asked why the difference in letters, the specialist advised that they may have changed their mind. Wells advised that I can negotiate, but I have other bills and cannot afford to pay anything. By the way, this property is my rental property and I was stiffed by the renter. Therefore, I defaulted and need to just get rid of it. I no longer have a renter and have a relative staying in the property until they have to leave the home.