No interest loan

Get the word out to people to make a habit out of starting every call (and every transfer to a new dept. That kind of accountability sure would help to reduce their bad practices. I called between my 2nd and 3rd, I think, Trial Plan payments.. Then he said, What makes you think you can walk in here with your little divorce decree in your hand, Sweety, and keep your house? I was driving down the road at the time and I thought I was going to die!

I ran through my mind, wait a minute, I got a receipt from them in the mail for my payments. At one point I asked him, with all due respect, can I please have your full name. This conversation was really stressing me out and bordering on freaky. We will live through this if we can keep our sanity and sense of humor. I made my 3 trail payments, and they never sent me a monthly statement all year. We had medical hardship for the loan mod, and they are cruel. So tell me where did all the money go all year that we sent them? Then they inaccurately report on my credit report deed in lieu.

I never got a personal letter from them explaining any of the questions I have pertaining to my case.

THE couple who was on Channel 7 GOOD MORNING AMERICA,MAN it could of just have been me! I live in Colorado and you bet your ass I record ALL important calls to cheap installment loans CHASE. However, the first time I did I told them it was being recorded and they immediately terminated the call!

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save no interest loan their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. What makes you think you can walk in here with your little divorce decree in your hand, Sweety, and keep your house?

We will live through this if we can keep our sanity and sense of humor.

Then the REAL fun begins, you learn how to push their collection agent buttons! Just say and fyi, this is also being recorded so I can keep a record of our calls. Essentially, without consent, in California your recordings are primarily NOT admissible in a court of law, nor can they be considered a binding (oral) contract. Other than that, the recordings could easily be considered open season for revealing the truth, entertainment purposes, etc.

Last comment: As long as you do not say anything defamatory, slanderous or patently false about the other party AND bleep out their name(s), you SHOULD be in the clear ( When they tell you they are taping I say thank you and I will be taping the conversation also.

They refuse, I then tell them I will not allow them to tape me. When they give you the speel loans for bad credit in texas of this call may be monitored for quality control etc. I have submitted all documentation supporting my payments. I am in the state of Tennessee and have received a letter today stating that foreclosure proceedings are in process.

I am a hardworking citizen and pay my bills on time. However, since Chase has not reported my payments, my credit score has dropped tremendously. If you have any additional input about how I can resolve this issue, please respond. Thanks again Most, if not all, Chase 800 numbers are payday loans manhattan ks routed to the Phillipines. I have been calling for status every week, (and thats a lot of calls).

And, with every call there is a different story, but I will go through that in a different thread. The one thing you here when you call is this call may be recorded for quality assurance purposes. For my next call before I give any information to the representative, I am going to make the same statement to them, and, ask them if that is acceptable. This conversation is being recorded for training and quality purposes... So what you try is to play the same blah game with them on the other end. This conversation is being recorded for training and quality purposes... So what you try is to play the same blah game with them on the other end. I have a feeling may forum readers already record calls, with or without permission.

Although the recordings can usually not be used as evidence in litigation, they can be useful for the borrower keeping a detailed record of all contacts with the loan servicer. This conversation is being recorded for training and quality purposes...

So what you try is to play the same blah game with them on the other end.

Depending on your state law, recording without permission is often illegal, with potential criminal penalties.

Depending on your state law, recording without permission is often illegal, with potential criminal penalties. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years web loans online either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Des, bases on your experience, without a Bk, will chase negotiate on the 120k they are asking for. I really cannot answer your question since that is not my area of expertise - negotiating outside of a bk. With or without a bk, what is the worst thing that can happen. There is no redemption period therefore, once that hammer falls and the bid price is paid, you will lose all strings to the property.

Do you really want to sink that kind of cash into the home? There are payday loans portland lots of things to think about and I always want my people (clients or potential clients) to really think about what they are doing before they do it. After waiting 30 days and receiving a 3 modification packets and two phone calls from chase which I did not respond to I decided no interest loan to call chase to settle. When I called they connected me with the loss and mitigation department and said no interest loan they would be the department that would handle a settlement on the charged off debt.

I spoke with my lawyer last week and he agreed that a chapter 13 strip after our chapter 7 ( Chapter 20) would be a reasonable option if we have no equity but said a settlement would be easier. I told him if my house was truly worth that much then the bank would have already been after me to foreclose. He said in order to proceed they would need to come and perform an interior 5-10 minute inspection to asses the homes value. Not sure if I should let them perform an interior inspection (might just be more fuel for their fire)??

Chase is likely saying what they are in order to spook you and seems to be working. They have trained negotiators to deal with you and prefer to communicate by phone to keep that advantage. They can now sit back while you stew and are more receptive in 10 days. I am happy to update you that we have agreed to a settlement!! Suggestions on which method will be best to send the money ( cashiers check? The letter that Chase will send you should have the correct verbiage that you are looking for in regards to the loan payoff and release of lien. Just make sure you look over it carefully and if you want to run it by us when you receive it, then please do so. 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. We must receive this amount no later than June 16, 2014 or this offer will dial direct personal loans be withdrawn.

After we receive ohio cash advance the required funds, we will release our lien on the property and forgive any remaining deficiency balance on your account.

You can send payments by wire transfer using the following information: Please be aware that the completion of this transaction is reported to various consumer reporting agencies direct loan lenders for bad credit as settled and may have an adverse effect on your credit rating. Since we claimed Chapter 7 will it matter that my credit report will say settled? Since we claimed Chapter 7 will it matter that my credit report will say settled? It was the lien that survived the BK, not the debt responsibility. They should just release the lien as it states and leave your credit report alone. Not answered the phone nor responded to the letters. Being a self employed real estate investor with most of my properties underwater, cashflow has been dismal.

Does anyone have thoughts on what tactics to deploy at this time to negotiate-down the payoff? Fyi Im current on my first with Wells Fargo and the HELOC is under water based on my current market value.

Not answered the phone nor responded to the letters.

Being a self employed real estate investor no interest loan with most of my properties underwater, cashflow has been dismal. Does anyone have thoughts on what tactics to deploy at this time to negotiate-down the payoff? Fyi Im current on my first with Wells one hour loans guaranteed Fargo and the HELOC is under water based on my current market value. I got the same letter, no interest loan same timeline, different amount.

I spoke with the Rep and she told me that it was a one no interest loan time offer.

She then told me that, if I were to pay later, it would cost more and I would have to provide financials.

I also had asked her to send me a revised offer letter which would state that the lien would be extinguished, not may be extinguished. I have asked twice for this type of letter, which they told me they would do, like they have had to do for many others.. The rep at Chase called me yesterday after I left a message with him. I got the same letter, same timeline, different amount. I spoke with the Rep and she told me that it was a one time offer.

She then told me that, if I were to pay later, it would cost more and I would have to provide financials.

I also had asked her to send me a revised offer letter which would state that the lien would be extinguished, not may be extinguished. I have asked twice for this type of letter, which they told me they would do, like they have had to do for many others..