Need a quick loan today

Hi my husband and I had a bankruptcy Chapter 7 in August 2014, we got the discharged paper. My 1st mortgage is with Midland Mortgage and they help me to go through the HARP Program , my 2nd mortgage (Equity Loan) we have with Bank of America, I have been making my payments to BOFA and last year they told me that the loan was charged off because I had a bankruptcy , I did not have not clue what was that in that moment, they said I needed to continue making my payments until I pay it all, no interests are being charge. So I have been doing my payments, yesterday I did call because I wanted to know the amount I still owe due that they took it off from the online banking. They told me that I can still get foreclosured, Is that true?

We did not add the mortgages in the bankruptcy, attorney said we could not do it. You need a quick loan today need to contact your bankruptcy attorney for details, but I went through a similair bankruptcy situation and here is what I can tell you. Sounds like both your first and second mortgage were included in bankruptcy and discharged. Your 1st fast cash loan no credit check mortgage with Midland was modified and you are current? What that means is you are no longer responsible for payday loans lewisville tx the debt, but the bank can still foreclose because only the debt has been discharged, the lien stays. Yes, your credit report will say paid off, discharged, paid in full, etc... It all depends on how much equity you have in your home. In order to foreclose, the second mortgage holder would need to pay off the first mortgage holder. They cant simply foreclose just on the second mortgage. As long as you are current on the first, unlikely that foreclosure will happen. Refinancing would open you up to more debt and take away all you recieved in bankruptcy-mainly liability payday loans without direct deposit for the debt! I paid on my 1st and 2nd for about 4 years, then stopped paying on the second.

Im still working with bank on a settlement offer and getting the lien released, but not worried about foreclosure since I am current on the first mortgage.

You can have a search done on your property to see what liens are there.

That way you know for sure if BOA actually has a lien or they simply are telling you they have a lien.

Since your bankruptcy was 4 years ago, you never know if someone at BOA already released it. Thanks so much , really after I read your answer I tried to get more info about my 2nd mortgage, Now according to the web page I paid to check the liens on the house, it says 0 no liens, so both mortgages are paid in full on the credit report and no liens in the house.

I did talk to the bankruptcy attorney and she says as long I am making my payments I will be ok. You may want to talk with title to make sure about the liens on the house, for it to not show your first lien tells me something may be wrong with the report that you ordered. In regards to your original post as well about the loans not being included in bankruptcy - you may want to look further into this as well because in most cases homes are thrown in with everything else during a chapter 7 BK. This would cause your mortgage to not show up on the credit report, that is another tell tale sign you have it included in BK. Yes your attorney is correct, as long as you are making payments on the lien you are not subject to foreclosure. As Jzone mentioned above, the only way the 2nd could foreclose is if they pay off the 1st lien prior to foreclosure.

I may have missed something but why are you concerned about foreclosure?

Has something happened to cause need a quick loan today the mortgage to be unaffordable and now may be difficult to pay? You may want to talk with title to make sure about the liens on the house, for it to not show your first lien tells me loans low apr something may be wrong with the report that you ordered. In regards to your original post as well about the loans not being included in bankruptcy - you may want to look further into this as well because in most cases homes are thrown in with everything else during a chapter 7 BK. This would cause your mortgage to not show up on the credit report, that is another tell tale sign you have it included in BK. Yes your attorney is correct, as long as you are making payments on the lien you are not subject to foreclosure. As Jzone mentioned above, the only way the 2nd could foreclose is if they pay off the 1st lien prior to foreclosure.

I may have missed something but why are you concerned about foreclosure? Has something happened to cause the mortgage to be unaffordable and now may be difficult to pay? Yes, if you are current on 2nd, they certainly will online loan applications not settle. I was actually told by my second mortgage holder that they would not even forward my account to a specialist until it was 90 days past due. Thanks so much , really after I read your answer I tried to get more info about my 2nd mortgage, Now according to the web page I paid to check the liens on the house, it says 0 no liens, so both mortgages are paid in full on the credit report and no liens in the house. I did talk to the bankruptcy attorney and she says as long I am making my payments I will be ok.

What website did you go to and find your information about no liens on the house? The ONLY info that is going to be accurate is from your county register of deeds.

You would definetely have a lien from your first mortgage. Thank you so much to both of you, this means a lot to me. I am going to the Register of Deeds today or tomorrow to check out the lien thing by myself. I am up to date for both mortgages, but because they did all the charged off without notified me, I was concern about the foreclosure and I asked the lady and she said that it can still be possible, that the best way was to refinance. That is why all my confusion, I know BOFA added it at the time of the bankruptcy certain fees for need a quick loan today being late in that moment, but they never said anything about it or add it to the monthly payments. Whoever is telling you that you are at risk of foreclosure while being current is grossly inaccurate. I cash america payday loan am the resident loan officer here at LoanSafe and would be happy to answer any questions regarding that but again if your terms are great on that modification there may be no reason to loan website refinance. You have to be careful with them, I hate to say it because I am a loan officer myself but some people can you get a loan with no credit out there will try and push you into a situation that may not be beneficial just to make a buck. Yesterday I went to the register of deeds here in Mecklenburg County, and after all the places they sent me, I was able to check in the computer of the county and that Website was right I do not have a lien in my house from nobody.

In case I cannot pay BOFA after the charged off, can they put a lien in the house? I hope I will never have to go through that again, is not fun at all, but asking just in case. Once again Thank you so so much for all your advises. Sandstrom I will keep your phone number and email, just in case we need to do something else, because yesterday talking to my husband we soon are going to have our daughter going to college and we really want to help her to the max to pay for it, so if later on we have to refinance I for sure will give you a call.

Yesterday I went to the register of deeds here in Mecklenburg County, and after all the places they sent me, I was able to check in the computer of the county and that Website was right I do not have need a quick loan today a lien in my house from nobody. In case I cannot pay BOFA after the charged off, can they put a lien in the house?

I hope I will never have to go through that again, is not fun at all, need a quick loan today but asking just in case. Once again Thank you so so much for all your advises. Sandstrom I will keep your phone number and email, just in case we need to do something else, because yesterday talking to my husband we soon are going to have our daughter going to college and we really want to help her to the max to pay for it, so if later on we have to refinance I for sure will give you a call.

What is still confusing is that even after bankruptcy, your bank should still have a lien on the property. Sometimes it is released, but usually its not, However, if this was 4 years ago, I would not be very concerned.

One thing you may want to do is make sure you have copies of your lien search from the county. They should time stamp with date and time, so in the future, you can say on this date there personal loans michigan were no liens on this property. 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 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 easy loan online 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 requested info was not as extensive as 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 your 1st, they most likely will not foreclose. Following the Strategy for Settling your Second would mean going silent on them now. We are in the same boat, but our 2nd is partially in the money now.