No credit check lenders

Both indicated that deficiency judgements in NJ are very rare. The thing with NJ is that the time for a lender to get the suit filed is extremely short - three months after sale. In addition to that, NJ requires a DJ to be based of fair market value of home which effectively reduces the amount of deficency. The BK lawyer also said that lenders know you can file BK. If you had to walk away in a recourse state, NJ is about as friendly to the homeowner as you can get. I would suggest you contact a lawyer and just ask a few of the highest priority questions you might have. Thanks JerseyCity, I will definitely be posting updates to our situation and any additional New Jersey specific info I can find. It is a common misconception that these emergency money loan statutes protect all residential homeowners.

Am I completely misunderstanding the whole deficiency process as it borrow money today relates to 2nd mortgages after a foreclosure? What would the standard process be for the lender of a 2nd mortgage after foreclosure? We are still planning on meeting with a BK lawyer, but wanted to see if anyone else here had any thoughts on the matter in the meantime. But again, the second has other options than just a lawsuit.

They can settle or sell debt to a collection agency (in which case you can also settle). You could bring a debt settlement lawyer into the picture if you wanted but of course, that will cost you too. My plan all along has been to allow the first to initiate the foreclosure process and then begin negotiations with the second and to get a settlement. Husband bought primary residence before we got married - moved into my house (i am on mortgage, but he is on title and deed with me) and currently live here. I am curious to learn that short sale may NOT be the way to go because it just provides them w more financial info, as opposed to just walking no credit check lenders away and letting them know what they used to know about my husband...

Started getting calls at 15 days late from the 2nd, and even an email. Answered phone calls at least once and replied with pre-arranged non-answer to their when-can-you-pay questions Cannot answer that question at this time.

Also verbally requested that all communication be in writing.

Sent a letter with similar language to 2nd since they were calling the most. Have received a couple of reminders in the mail and weirdly worded offers to participate in modification program.

Also of interest, Citi lied to us about an appraisal fee.

They said they would have to send an appraiser out as a preliminary step, at no cost to us. We noticed an appraisal online installment loans no credit check fee on the mortgage statement a few months later. Received letter no credit check lenders last week that after investigating the situation, the fee stands and has been reinstated to the balance on our account. Looks like you and I will be following the SAME exact timelines.. We didnt pay July, so we are also now officially 30 days late as well. Looks like you and I will be following the SAME exact timelines.. We didnt pay July, so we are also now officially 30 days late as well. I am in a similar situation cash loans in va and those of you who posted on here and I am considering walking away. I am curious to hear how things progressed with you and whether walking away adversely affected your life situation (I. I am in a similar situation and those of you who posted on here and I am considering walking away.

I am curious to hear how things progressed with you and whether walking away adversely affected your life situation (I. His score started at around 690, and dropped to a low of about 510, and currently is around 540. I am assuming 510 was the lowest, which was after the 90 day late hit.

Started getting calls at 15 days late from the 2nd, and even an email. Answered phone calls at least once and replied with pre-arranged non-answer to their when-can-you-pay questions Cannot answer that question at this time. Also verbally requested that all communication be in writing.

Sent a letter with similar language to 2nd since they were calling the most. Have received a couple of reminders in the mail and weirdly worded offers to participate in modification program. Also of interest, Citi lied to us about an appraisal fee. They said they would have to send an appraiser out as a preliminary step, at no cost to us. We noticed an appraisal fee on the mortgage statement a few months later. Received letter last week that after investigating the situation, the fee stands and has been reinstated to the balance on our account.


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I was in the mortgage biz for 10 years and what you described is TOTALLY not allowed. Just imagine how crazy this could get if lenders could do such a thing. Hi everyone I have been reading your posts trying to find out what I should do.

Our business tanked in 09 we opened in the summer of 2008. They increased our tax rate but all the percentages were the same or less and I realized my rate changed. The town asked the county to reassess the value and I was told the county said no. My sister has been in foreclosure in Fairfield NJ for 8 months now but she was one of the people who never should have been granted a loan.

She owes 50,000 more then when she first mortgaged. I know if I just stop paying mortgage and taxes it will effect my credit.

My plan is to pay off my credit card debt which I had none when we bought the house but had big car repairs and needed to use them. We could pay off our debt in about 6 six if we stop paying taxes and mortgage. We have exhausted our retirement accounts no credit check lenders tapping when things got really behind to keep current with everything. The comments by me and the materials available at this web site are for informational purposes only and not for cash advances the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact affordable loan company your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed short term money 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 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 Thank you Cat D.

So I guess the people staying in the homes in foreclosure are in for over 2 years? I just want to no credit check lenders do this right to save and stay as long as I can. Come out of this with cash in my pocket and recoup what has been lost and start over. Any other advice would be appreciated from you or anyone else. Taxes are due next week and I really need to make some decisions. Thanks Sheshy If the plan is to stay as long as personal loan providers you can while saving money, you may want to take a look at the following thread, it is fun and uplifting. The comments by me and the materials micro credit payday loan 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 last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Recently, Ocwen bought my loan from OneWest and 3 years of 180 days late on my credit report were somehow miraculously wiped out. Like seriously, GONE - like I never had the loan in the first place (same happened with the 2nd mortgage as well). I took advantage and got a Southwest card from Chase and got enough points to get companion pass from Southwest this and next year (Wow! I can (barely) cash loans bad credit afford to pay the mortgage on the Maryland house and saved up enough to buy a house with cash in Texas where we currently live (love it so much more than MD!