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They sent me letters until Oct 2017 and honestly, every time I got a letter I just ignored it and thought nothing of it. Well, here we are in 2018 and I have equity in my home now and I was considering selling my house. Before I listed, my realtor friend pulled title and discovered that the 2nd is still on there under Countrywide. I called Countrywide and they sent me a low interest rate personal loan Goodbye Letter stating that they transferred my 2nd to RTR in 2009 and that my account is closed with them (Countrywide).

I was very careful not to say anything that would re-start the clock and told them that my attorney would be contacting them. My attorney then wrote them a strong letter basically telling them to show what they have that would give them assignment of my account. He said that we would be getting a quiet title if they did not show that they rightfully owned my account and acquired it legally. He sent them the letter about 2 weeks ago and we have heard nothing. I would honestly rather just settle with them and get them to remove the lien so that I can list my house.

I know that I should not tell them that I want to sell my house because they will never settle with me and want the full amount. How do I come up with a settlement amount to offer them? I know they are going to look up my property and see that I have equity to pay them. Im in California) that I would be free from owing the debt. RTR did not do anything for the 4 yrs except send me letters (ironically none of them in 10 yrs have said Foreclosure... They sent me letters until Oct 2017 and honestly, every time I got a letter I just ignored it and thought nothing of it. Well, here we are in 2018 and I have equity in my home now and I was considering selling my house.

Before I listed, my realtor friend pulled title and discovered that the 2nd is still on there under Countrywide. I called Countrywide and they sent me a Goodbye online loan companies Letter stating that they transferred my 2nd to RTR in 2009 and that my account is closed with them (Countrywide).


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I was very careful not to say anything that would re-start the clock and told them that my attorney would be contacting them. My attorney then wrote them a strong letter basically telling them to show what they have that would give them assignment of my account.

He said that we would be getting a online loan companies online loan companies quiet title if they did not show that they rightfully owned my account and acquired it legally. He sent them the letter about 2 weeks ago and we have heard nothing. I would honestly rather just settle with them and get them to remove the lien so that I can list my house. I know that I should not tell them that I want to sell my house because they will never settle with me and want the full amount.

How do I come up with a settlement amount to offer them? I know they are going to look up my property and see that I have equity to pay them.

Sure they can foreclose if they truly own the debt. For foreclosure to make sense, there must be enough equity to cover selling at a reduced price (possibly), and all the fees involved - with monies remaining for them. As to the SOL for a SOJL, for your purposes right now, the one day loans SOL is moot. The SOL would only basic bank accounts for bad credit eliminate your obligation to pay the debt. So you would still have to settle it in order to sell. For a very long time, the IRS had given people a pass with this statute. Regardless, you have 2 attorneys giving you different info about the SOL. You should do your own research into the California Code and find the answer online loan companies if that still matters to you. You should find out if the 2nd was ever charged off by the prior lender - and if so, when. My understanding is that interest cannot accumulate after charge-off.

You should be able to see this on an old credit report if the account has fallen off your report now. So, I owe 800k on my 1st and I have over 300k equity in the home which can be easily found on Zillow.


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When I briefly spoke with RTR they asked me how much equity I had and I said I dont know... Your right though, I definitely opened up a can of worms calling them. If they dont have the deed then I think ill start even lower since that would mean they wouldnt be able to foreclose. From quick and easy money what I understand, they have to have my original note and deed and be able to show that they rightfully acquired it.

They were horrible the first 5 yrs or so but the last few years have been very quiet except for a online loan companies few letters. So, I owe 800k on my 1st and I have over 300k equity in the home which can be easily found on Zillow.

When I briefly spoke with RTR they asked me how much equity I had and I personalloans said I dont know... Your right though, I definitely opened up a can of worms calling them. If they dont have the deed then I think ill start even lower since that would mean they wouldnt be able to foreclose. From what I understand, they have to have my original note and deed and be able to show that they rightfully acquired it. They were horrible the first 5 yrs or so but the last few years have been very quiet except for a few letters. With that kind of equity, you might not be in a good place. According to what you said, the 1st attorney told you the SOL was 4 yrs and after that point, , the lien would still exist. Perhaps he simply failed to tell you the rest of the story. If there is indeed a 4 yr SOL, yet they sent you collection letters in 2017, then they have violated the FDCPA. For that, you can file a claim in federal court where your legal fees would be covered under the statute. You could choose to handle that yourself or engage a consumer attorney who specializes in FDCPA cases to do the bargaining for you. The attorney can look at the letters they sent to you to see if there online payday loans instant approval was a violation. You could pay the attorney (a hundred bucks or so) to write a i have bad credit and need a loan nice, legal, threatening letter basically saying Either settle the debt or we sue.

But at the same time, you still want to be certain they can prove they own the debt. Give yourself time to think and investigate before moving too fast. How can they say that my account is Paid or Paying as agreed? Also, it says that my account is an individual account. It says my balance is zero and that it was closed in 2009. Does closed mean charged off or does it have to say charged off? Seems like there are a lot of inconsistencies here. How can they say that my account is Paid or Paying as agreed? Also, it online payday advance direct lenders says that my account is an individual account. It says my balance is zero and that it was closed in 2009. Does closed mean charged off or does it have to say charged off? Seems like there are a lot of inconsistencies here. You ask a lot of questions about why things are as they are. No one knows why your lender is acting as they are and doing what they are doing. It has long been said that buyers of defaulted 2nd mortgages were willing to just sit on debt until the market rebounded and then they would foreclose, or perhaps online loan companies even sell the debt and make money that way. If the latter, they would have no interest in settling. Once again, asking you to settle could be a FDCPA violation if the SOL has passed. Individual means your account is solely in your name, as opposed to you and someone else. The 1099 amount would be taxed at YOUR tax rate when you file. The amount would be whatever amount they put on the 1099. Did your attorney request the loan ownership information via a Request for Information pursuant to 12 U. That statute requires a to a request from a borrower to provide the identity, address, and other relevant contact information about the owner or assignee of the loan.