No credit check loan

This is clearly fraud on the court, because one of the notes is forged or both are.

Tried looking up two endorsed notes in same foreclosure on the internet, but could only find one here in Florida.

Figures, Florida has put retired Judges in our courts, to get rid of all the foreclosure cases, and it is all paid for from our settlement we got from the banks. The foreclosure laws have all been changed to protect the banks of their fraud. Not that much information on the case, looks like they swept it under the rug. The courts go after the attorneys in the case for fraud on the payday loan san diego court, give them a slap on the hand, and tell them not to urgent cash advance do it again. 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 talked to them in march got a verbal settlement 15,000.

Then other day I get a letter says that we have 60 days to pay or going to tack. Only deal with them, though it is probably Veripro. Send them one final email to let them know you will only correspond in writing so you have a record of every conversation. What have you done in the last 10 years to try and fix this? Any settlement offers that you have sent them between 2010 and now? It was taken over by Veripro in 2010 we thought it was paid through a program 2nd mortgage forgives come to find out it was not and Veripro took over in no credit check loan 2010 the loan balance was 20,000.. Veripro we found out couple mths ago has it they said we owe 29978 now..

Is that even legal or right It was a 2nd mortgage that we stopped paying. It was taken over by Veripro in 2010 we thought it was paid through a program 2nd mortgage forgives come to find out it was not and Veripro took over in 2010 the loan balance was 20,000..

Veripro we found out couple mths ago has it they said we owe 29978 now.. Is that even legal or right What state do you live in? In my state, for example, they have 5 years from date of default to take you to court, or it is outside SOL and they can no longer sue. Also, in my state, once that happens, the note becomes for all practical purposes unenforceable....

Before you do anything else, you need to check the laws in your state. If you make a written admission of owing the debt or a written promise to pay in some states, it can restart that SOL clock at the beginning, so do not speak to them no credit check loan again until you check your laws. If it is indeed unenforceable, you can tell them to go pound sand. Your mileage WILL vary, again, as every state is different. Only deal with them, though it is probably Veripro. Send them one final email to let them know you will only correspond in writing so you have a record of every conversation. What have you done in the last 10 years to try and fix this?

Any settlement offers that you have sent them between 2010 and now? States put laws on things like SOL so that the debt collector cannot sit around forever accumulating interest on a stale debt and then take action to collect. Debt collectors are more likely to look upon that request as a payday loans oshawa total net pay advance cease and desist, and stop all communication altogether. They have to protect themselves from violating the law, because they can get fined if they ignore a cease comm request. No law anywhere says they must only contact you in writing if you request it. OP also 100 day top 10 loan companies loans reviews said that they believed the 2nd had been paid off long ago through an assistance program, and was not aware it was still outstanding until Veripro sent a letter recently. That would explain why OP did not make any efforts to settle the account.

States put laws on things like SOL so that the debt collector cannot sit around forever accumulating interest on a stale debt and then take action to collect. Debt collectors are more likely to look upon that request as a total cease and desist, and stop all communication altogether. They have to protect themselves from violating the law, because they can get fined if they ignore a cease comm request.

No law anywhere says they must only contact you in writing if you request it. OP also said that they believed the 2nd had been paid off long ago through an assistance program, and was not aware it no credit check loan was still outstanding until tax anticipation loan Veripro sent a letter recently.

That would explain why OP did not make any efforts to settle the account.

Of course every state has their own SOL limitations. In this case, without bankruptcy protection, the debt and the lien could both remain. By letting them know to contact you only by mail, you are not telling them to stop contacting you. Your letter would need to be clear that you are willing to be contacted but only by mail. This protects the debtor by providing a record of all conversations.

I dont want to have to rely on memory as to what I said or they said 6 months or 5 years earlier.

A written offer would of been much more specific as to timeline and if the offer could be revoked. If I stopped paying my second no credit check loan mortgage and think that it is forgiven, I would want that in writing also. OP waited 10 years and then found out it still exists.

SOL may still be the answer here, but by not getting anything in writing, OP has to take some of the blame too. They will lie, falsify, and do what ever to collect that debt.

My debt was discharged, I never have to worry about that. I requested to be contacted by mail only and they send me a letter once or twice a year trying to enforce their lien. They make it clear in every letter that they are not attempting to collect a debt.

Its still a pain to have to deal with this, but I only have to deal with the lien, not the debt. Of course every state has their own SOL limitations. In this case, without bankruptcy protection, the debt and the lien could both remain.

Mortgage debt usually does have a lien attached, but I addressed that in my post when I mentioned that the mortgage is only enforceable in some states to the same extent that the note is. The mortgage is the security interest that is the basis for the lien. If the note is no longer enforceable, in some states, then the mortgage is not either. In my state, there are actually court rulings on the books that say that the mortgage is no longer enforceable because the SOL on the note has expired, and thus, the recording of the lien against the property can be removed. In Ohio, where OP lives, there has been some debate on this point. Either way, need personal loan immediately OP is pretty much safe from lawsuit on this, or I should say, if OP gets sued on this, they need to invoke expired SOL as an affirmative defense.


Loans unsecured

In Ohio, promissory notes have a 6 yr SOL, and written contracts have an 8 yr SOL.

So, those last two years, they would sue to foreclose based on the security interest alone--taking the property back, but not collecting any sums on the note itself.

By letting them know to contact you only by mail, you are not telling them to stop contacting you. Your letter would need to be clear that you are willing to be contacted but only by mail. This protects the debtor by providing a record of all conversations.

I dont want to have to rely on memory as to what I said or they said 6 months or 5 years earlier. A written offer would of been much more specific as to timeline and if the offer could be revoked. Look around any debt collection forum and you will see lots of people saying what I said. Simple--because there is no provision within any debt instant bad credit loans collection law that allows you to demand that they only communicate in writing. And again, many debt collectors will look upon that request and err on the side of caution and treat it as a total cease comms demand..... There simply is no provision in the law for a partial cease and desist, which is what you recommended doing.

If I stopped paying my second mortgage and think that it is forgiven, I would want that in writing also. OP waited 10 years and then found out it still exists. SOL may still be the answer here, but by not getting anything in writing, OP has to take some of the blame too. I agree with you, we must take responsibility when we do not keep our promises. I never pay a debt collector unless at least three things happen: It is that simple. I have had numerous debt collectors--Midland and PRA among them--try to collect debts that turned out to be unsubstantiated. PRA has done it three times themselves, the most recent one being earlier this year.