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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. Also I would like a copy of the 4 signatures you have. I did see a previous post with 4 attachments but that seemed to 4 separate views of the same signature.

This was our first home, built it from ground up, paid on it for 18 years, so do the math. I forget to mention that when we tried to refi with countrywide back in 2007, we were DECLINED! And someone did attach an image of his entire signature on this thread.... Just a person with a whole lot of research and Common sense....... This DOC apparently confirmed by BOA to be ACTUAL Signature of David A Spector..

Also loans for bad credit direct lenders only I would like a copy of the 4 signatures you have. I did see a previous post with 4 attachments but that seemed to 4 separate views of the same signature. I believe the David Spector signature here is the one that is submitted several months ago based on not only the signature but the small dot under the Only in the upper right corner. The Plaintiff is who owns your note at the time of the complaint. There can be lots of Servicing banks and they can foreclose as a representitive of the owner, but they have to let you know who the real plaintiff is. Look at your complaint and get back to me- It is Probably CWALT and a name of the trust itself. This should have been signed in 2003, now you are getting the exact loan quotes same sig AFTER 2006 after he left? Plus, I never saw this version of the stamped note until my deposition when they brought it with them. All the notes they sent my from my QWR had NO sig or stamp of any kind other than my own Hopeful in Hawaii, I hate to tell you this......

You should have the one that actually looks like a D and an S!

Each time I asked for a copy of my note in the last 2 years from doing a QWR it had nothing but my own signature on it. Then in Sept 2012 during my deposition ( for my suit against BOA ) the BOA attorney uses this new copy with that stamp and signature on it. This is payday loan express why the federal government states attorney and most states fined the large banks last year to the tune of 22 Billion dollars. I assume your note was turned into a securitised asset or trust (if spector stamp on it, then it must be a countrywide loan? I have been trying to workout the matter and currently battling foreclosure, when all I want to do is get a workout plan and pay. But not for these guys, and believe me the attorneys seem to be right in the middle of it. Also, I found expired forms were used in closing, and like many of you, my original note seems anything but original. They constantly play with the fonts and changing the size of the document (I think this confuses the naked eye when reviewing the documents).


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This is why the federal government states attorney and most states fined the large banks last year to the tune of 22 Billion dollars. I assume your note was turned into a securitised asset or trust (if spector stamp on it, then it must be a countrywide loan? 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. My understanding is that he stopped working at Countrywide in August of 2006. In fact, I cannot payday loans in nevada view any of the signatures attached on the site. Also I would like a copy of the 4 signatures you have. I did see a previous post with 4 attachments but that seemed to 4 separate views of the same signature. Can you please email me any David A Spector signature you have. In fact, I cannot view any of the signatures attached on the site. Can you please email me any David A Spector signature you have. I found another one online that seems original and is completely different (spector executing as a trustee). Also have 2 different Laurie Meder stamp signatures as 2 2 separate endorsements for 2 separate and unrelated notes by Countrywide.

Any assistance in getting other samples would be awesome! Hi Leona - I was unable to view any of the attachments on this site. My understanding is that lowest rate loans Spector stopped working at Countrywide in August of 2006. Email me at Hi Traxstarr person - I was unable to view any of the attachments on this site. Hi cwbpafrad - I was unable to view any of the attachments on this site. And someone did attach an image of his entire signature on this thread.... Just a person with a whole lot of research and Common sense.......

Hi taterplease- I was unable to view any of the attachments on this site.

Since 2007, the lowest rate loans 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. My understanding is that he stopped working at Countrywide in August of 2006.

In fact, I cannot view any of the signatures attached on the site. Also I would like a lowest rate loans copy of cash loans online for bad credit the 4 signatures you have. I did see a previous post with 4 attachments but that seemed to 4 separate views of the same signature. Can you please email me any David A Spector signature you have. In fact, I cannot view any of the signatures attached on the site. Can you please email me any David A Spector signature you have. I found another one online that seems original and is completely different (spector executing as a trustee). Also have 2 different Laurie Meder stamp signatures as 2 2 separate endorsements for 2 separate and unrelated notes by Countrywide.

Any assistance in getting other samples would be awesome! Hi Leona - I was unable to view any of the attachments on this brand new payday loan lenders site.

My understanding is that Spector stopped working at Countrywide in August of 2006. Email me at Hi Traxstarr person - I was unable to view any of the attachments on this site.

Hi cwbpafrad - I was unable to view any of the attachments on this site. And someone did attach an image of his entire signature on this thread.... Just a person with a whole lot of research and Common sense....... Hi taterplease- I was unable to view any of the attachments on this site. 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. So I work at a bank but not going to say which one, I work in modifications though. After viewing about 35 files this morning I got the urge to write some tips and expectations for you to help in this process. I know it sucks but 45 days is a fast turnaround for what we have to do believe it or not. Underwriters require this and the negotiators have such huge case loads that it may take a week or two places to get a loan to start back on your file if you decided to omit that last paycheck because it was larger.

I understand everyone wants the best deal possible, we all do, but modification is about saving the home, its not refinancing. If you get approved and decide you want to negotiate the terms there are only two things that will happen. A home is an investment, always invest wisely and dont invest unless your prepared to take a loss. No modification program will give you equity so just forget it and save the frustration. Principal reduction by bofa is used in more extreme circumstances and is not a freeby, its a silent 2nd and yes it is still owed at the end. Have all these docs ready the first time you apply to move things quick, have your account number on the top center of each page, have cover sheet attached detailing what is inside. Because there are a hundred investors who loaned the money for your home and they have thousands of portfolios that have different rules for mods. For example Wells Fargo from what I have seen has probably a thousand different rules for there thousands of portfolios managed by other banks. So you and someone else may have the same investor, the fair credit loans same terms and got your loan at the same time but based on all your factors got placed in lowest rate loans two different portfolios through the same bank as investor, well guess what your neighbor may be able to get term extension to lower the payment while you only can qualify for special forbearance. Its a rough market you got to be willing to work and do anything to survive, its not getting better soon. There are a ton of people applying also and taking time up when they make plenty to cover the costs, or trying to make more revenue off rentals.


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You can thank the investors and flippers for much of the delays in the modification program.

They do a ton of scamming even though its clear these programs do not apply to them we still have to review and decline or approve every application. Its not rocket science, turning in docs and calling to check in on status. Thats all they do, I have spoken to hundreds of them, they call say is this file done, (answer from rep) thanks bye You can do that yourself and save hundreds or thousand. Everyone has to make a living and working for a bank makes you know different than anyone else who has to work for a living. We are just people trying to have decent lives and support our families.

Where you get a paycheck from makes no difference to me as long as that paycheck is earned on through installment loans from direct lenders morals, ethics and hard work. 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 loan apply attorney. Please Read our So I work at a bank but not going to say which one, I work in modifications though. After viewing about 35 files this morning I got the urge to write some tips and expectations for you to help in this process. I just got my modification after 14 months and several starts and fits. I know it sucks but 45 days is a fast turnaround for what we have to do believe it or not. Underwriters require this and the negotiators have such huge case loads that it may take a week or two to start back on your file if you decided to omit that last paycheck because it was larger. I understand everyone wants the best deal possible, we all do, but modification is about saving the home, its not refinancing. Even though you may have sent in all the requested documents asked for, they will not tell you another is needed, or that sensitive documents like tax forms you sent magically disappeared until you call them for an update. Its a rough market you got to be willing to work and do anything to survive, its not getting better soon. There are a ton of people applying also and taking time up when they make plenty to cover the costs, or trying to make more revenue off rentals. You taking out a loan can thank the investors and flippers for much of the delays in the modification program. They do a ton of scamming even though its clear these programs do not apply to them we still have to review and decline or approve every application.