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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 Good cash advance mobile information. I was recently called and asked how long we had been at our present jobs. So to eliminate this question, I would add the date you started your job. It might also be a good idea to go ahead and provide them with a list of your monthly online lender expenses. Trying to make it as easy as possible, I used excel and showed our monthly net income since that is what we actually have, not gross.

The first spread sheet with the regular mortgage payment left us with a negative cash flow.

My reasoning for including IRA assets was to show that a small shortfall in income could be overcome by periodic withdrawals from a retirement account.

My question is this, How do we provide our monthly income when it is never a consistent amount? What the servicer is going to do is look at your most recent paychecks YTD figure, and divide by 11 to arrive at your monthly income. Now, if your income has been cut online lender in half over the last 2-3 months,you may want to highlight that fact in your hardship letter, and perhaps they will take that into account. What the servicer is going to do is look at your most recent paychecks YTD figure, and divide by 11 to arrive at your monthly income.

Now, if your income has been cut in half over the last 2-3 months,you may online lender want to highlight that fact in your hardship letter, and perhaps they will take that into account. I would really like to find out what my banks specific modification requirements are but alas that information has eluded me thus far. I would really like to find out what my banks specific modification requirements are but alas that information has eluded me thus far. Can someone let me know the right way to calculate de disposal income for a loan modification. Do I use the gross income less the monthly expenses, or do I use the net income. 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.


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It is a basic outline and or summary of your experience during the loan modification or short sale process.

You will online lender want to have this next to you anytime your deal or correspond with your mortgage servicer. It helps you remember and helps keep these guys accountable.

This can be beneficial if you choose to file a Qualified Written Request or possible lawsuit and can be sued by a lawyer to help support your case against your lender. 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 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 Hi Moe or anyone I dont mean to sound stupid you know i just joined last month. Dont laugh guys I know i just joined not sure still learning my way around the site.

This is an actual true report by an actual homeowner who ended up getting a short sale with Countrywide. She called Countrywide and was told by a customer service person she would receive the details of this through a process server and she had no other information available to share. After talking to two representatives she was connected to negotiator Isabel Chaidez. She was told she could apply for a Deed in Lieu of Foreclosure.

The process online lender server asked her who loans in an hour is living at the foreclosed property and she politely explained her mother is maintaining the home while attempting to sell. 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.


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Most of the information you find here is easily available on the internet. You cash advance services 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 best payday loans reviews opinions of the firm or any individual attorney.

I do have my notebook with me at all times and when I can I transfer it onto a word doc. Actually not everyone viewing this website is a member. At any given time we may have 100 plus members and 1500 plus visitors. The more members, the better for helping our cause.

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. Actually not everyone viewing this website is a member. At any given time we may have 100 plus members and 1500 plus visitors. The more members, the better for helping our cause. Ok thanks Moe So I am sure I am a member, but let me ask you this I see some say Senior Member and some payday loans without lenders say Junior what is the difference and how is that determine. I do have my notebook with me at all times and when I can I transfer it onto a word doc. I had that same feeling of how odd it was when the collections calls stopped. Unless, of course, it is a reinstatement payment planh. I have kept a similiar, but not so succint journal since March 2009 with ASC. I had two loans thru them on two different properties. One went thru the way it suppossed to and relatively was pain free. The other has been a nightmare from the start and is still not finished. To those people like me out there that are trying to work with ASC you might be persistent daily and soemtimes twice and 3 times a day.

I understand now that with 3 unlinked computer systems, no wonder they are screwed up.

They said they closed my file because I didnt turn in the paper work. I never got any and they refuse to send it in any traceable manor.

Ok thanks Moe So I am sure I am a member, but let me ask you this I see some say Senior Member and some say Junior what is the difference and how is that determine. How long did it take you to finally get your loan modified (I may have already asked you this... If not, how many months behind online lender were you if you do not mind me asking. I have been current, but now I need to make a decision as to whether to default in Dec09.

How long did it take you to finally get your loan modified (I may have already asked you this... If not, how many months behind were you if you do not mind me asking. I have been current, but now I need to make a decision as to whether to default in Dec09. We made our last regular payment about 2 years ago.

We received a court-date for foreclosure in the mail the same day we received a forbearance-offer.

No lost documents - we only had to update online payday loan proof of income once. When looking for a modification there might be many painful decisions to make - often either... Like either keep the house or the perfect credit record. 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. As best I understand I could sell the property or reinstate my first mortgage with Green Tree. And when negotiating a reinstatement (or is this not the accurate term since I do not wish to pay the total amount shown on their documentation) I assume I do not have to qualify (unless desirous the terms be modified). A modification is out since my x is on the note and mortgage but not the title and unwilling to take part. If I determine I must sell do they ever reduce the balance on a sale (not a short sale) when there is equity?

It is sensible to try working with the lender on my own? How do I find out who best to negotiate on my behalf with Green Tree?

How do I insure the documents protect me as well (from deficiency judgement) if I am able to negotiate a reduction from the lawsuit amount?

I had a hardship payday loans with monthly payments situation ovarian cancer, divorce, loss of job and more, yet why would this matter now?