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Then someone legitimate shows up with the actual note and you still owe that person the money even though your property was taken with the blessing of the Court. If you ever find yourself in Court without a lawyer, be sure to bring all of this to the attention of the judge. I just sent copies of that letter to my mortgage companies.

I got all back within the time frame, but all were copies. Sent a letter at the low rate personal loans very last day saying they would get back to me. Found it online, an abbreviation of one from an quick personal loans online attorney. After the QWR certified letters were gone, and had time to be acknowledged in-house, I got a foreclosure notice from COUNTRYWIDE!! So I am heading to the court in my county and seeing if I can get a hold (they can do this in GA in 30 days) The truth is this is a rental, I really cannot sell it and am upside down on the loan. It just irritates me that they are doing this, trying personal loans apply online to roll over us because they do not have the legal right to do so, and they want this to go through fast before we can stop them.

Make sure you have a plan for what you will do in a case like this. I am mad now, and am not going to roll over and let them do this to us!! From what I understand this is a process that can only delay the foreclosure, although I would love to see a positive outcome. Not only that, but he told me that the judge stated he would allow copies of the note to be introduced into court. But opefully court goes okay anyway and you get foreclosure delayed. I think a lot of legal stuff depends mostly on each individual judge and not always the actual law. Not only that, but he told me that the judge stated he would allow copies of the note to be introduced into court. I have been going through some similar issues, I wanted my lawyer (Bankruptsy) to help me in the show me the note process and he said that he did not know if it would be worth it or not. So, I understand the produce the note method of verifying all the loan documents, but I am not understanding, when to ask for it.

Do you ask for it before you file Motion to Dismiss or Answer, or do you file it later on, in some Discovery phase. Also hoping someone might be able to address the original question above as to when the best time to demand the note actually is? When you receive the 30 day debt validation letter from the foreclosure attorney send a certified letter back demanding a meeting to see your Wet ink Note that proves the bank that is trying to foreclose is the true holder. Send copies of that letter to the Bank and your AG. 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. When filling out the financial monthly expense for the WF process of Home Preservation....


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Are you supposed to include all the bills you are NOT able to pay? If so, for your monthly payment amount on say, a medical bill....

Or do you list it as a bill with the zero monthly payment? Are you supposed to include all the bills you are NOT able to pay? If so, for your monthly payment amount on say, a medical bill.... Or do you list no credit check direct lenders it as a bill with the zero monthly payment? Your lender will take a look at your credit report to see any debts you have acquired.

As far as other expenses go such as utilities and groceries will really just depend on the size of your family and home.. 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 best places to get a loan 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 low rate personal loans Legal Disclaimer Get free mortgage help today.

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 in need of direct contact information for my loan account manager. Her name is Kimberly Phillips and online loans direct lenders only her supervisor is Benito Gallardo (unsure of spellings) I would get her (well, her voice mail anyway) when I called the general number (800-669-6607) until Friday of last week when I called checking on a detailed message I left her with possible payment arrangements -- I was given to a general person and they could not connect me to her... AND they said my file was being reviewed for foreclosure this week. I am in need of direct contact information for my loan account manager. Her name is Kimberly Phillips and her supervisor is Benito Gallardo (unsure of spellings) I would get her (well, her voice mail anyway) when I called the general number (800-669-6607) until Friday of last week when I called checking on a detailed message I left her with possible payment arrangements -- I was given to a general person and they could not connect me to her...

AND they said my file was being reviewed for foreclosure this week.

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.


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The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions low rate personal loans of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer 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 Get free mortgage help today. Since 2007, the LoanSafe forums have helped millions of homeowners over the low rate personal loans last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. They want the fastest path to your money and do what they know has given them the least amount of headaches. The deck is stacked against you and their is nothing you can do. I wondered if anyone had success with the producing the note strategy. As an update, I spent almost five thousand with an attorney who had never had a successful produce the note case but believed in the idea and wanted to try it. As fightforit mentions above, he specialized in bankruptcies and I realized too late was clueless concerning foreclosure defense. I enlisted his aid too soon, I probably should have waited until a hearing date was set but like everyone else I am grasping at straws.

I have just been denied for HAMP 2 because there is equity in the property and am now trying to figure out what to do.

Lender denied her for income, which is laughable since I told them I most certainly could renew the lease for a higher amount. They consider it an investment property even though she is attempting to move into it.

I now have to reapply with all new paperwork and am considering trying to do it as an owner occupied rather than investment. I 5000 loan am not going to give up, what they do not know about me is that I will never stop fighting them, not ever. I will make sure they do not get this house if low rate personal loans it is the very last thing I do. I have complained to every agency who will listen but no one has had any success providing any type of assistance. The logic in the courts is, you signed a DEED OF TRUST and Mortgage note a promise to pay. Slicing and dicing and reselling note to other investors does not have anything to do with nor does it effect your promise to pay. The court is the foreclosing authority and sides with the bank in foreclosure. Also if you are in default the logic is, the bank does not have to produce the note.


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Reaon is you are in default and the note who has it does not damage you as you are in low rate personal loans default. The bank already has made a decision, that it is not your principle residence AND you are not on the mortgage, just your mother. A few have had this delima on this site, one I talked to personally who was in the house and her mother died and the bank foreclosed. If there is equity in the property, maybe you 3000 loan no credit check should sell and buy another home under your name. I suggest you give the loan mod center at the top of the page a call and they should be able to assist you. 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. Seems like a viable option if you can meet eligibility requirements, but not having any downloadable forms, docs or guidelines to work with makes it a bit of a slog. Seems like a viable option if you can meet eligibility requirements, but not having any downloadable forms, docs or guidelines to work with makes it a bit of a slog.

Unfortunately, I cannot recall hearing of anyone here that was able to achieve a principle reduction under the Keep Your Home California initiative, even though many seem to be eligible for assistance. I see you have received an MHA mod from Chase last year, is the payment still approximately 31 percent of your gross income? Also does your mortgage happened to be owned by Fannie Mae or Freddie Mac? 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 low rate personal loans 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 Unfortunately, I cannot recall hearing of anyone here that was able to achieve a principle reduction under the Keep Your Home California initiative, even though many seem to be eligible for assistance. I see you have received an MHA mod from Chase last year, is the payment still approximately 31 percent of your gross income? Also does your mortgage happened to be owned by Fannie Mae or Freddie Mac? 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.