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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 DIL denied. No calls or letters from BOA about delinquent payments. Going to begin HAMP application as soon as I get the official NO from BOA. Should I wait until I receive something from the bank about foreclosure to apply for the HAMP program? Are there specific phrases I should use as the prompt to begin sending in documents for the mod? Should online loans direct lenders only I wait until I receive something from the bank about foreclosure to apply for the HAMP program? Are there specific phrases I should use as the prompt to begin online loans direct lenders only sending in documents for the mod? Here you may want to check out the Hampster Wheel thread it has some great strategies to help you delay the foreclosure process as long as possible..

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 online loans direct lenders only 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 Looking for advice....

BOA transferred my 1st to RCS so I now have my 1st with RCS and 2nd with BOA. Think Bank of New York actually owns get a loan online now loans and the others are servicing them. I get very little from fast little loans online BOA now but RCS has sent letters with NOTICE OF DEFAULT AND INTENT TO ACCELERATE.

They have given us until id may to pay up or they may take steps to accelerate the sums secured by the Security Instrument, including foreclosure or other action to seize the property as allowed by law.

A man has come by our house more than once to talk to us and unfortunately my children (teens) were home. While they did not share any specific information, they did say they were with BOA and we (parents) would know what it is about. My thought is that they are trying to see if we have abandoned the house.

Husband worried they will pad lock the house and take everything inside. I need as much time as possible but wonder if I should apply for DIL again.

Maybe now that we are 10 months behind they will be more likely to play ball.

Husband worried they will pad lock the house and take everything private lender inside. I need as much time as possible but wonder if I should apply for DIL again.

Maybe now that we are 10 months behind they will be more likely to play ball.

They bank cannot just lock up your home and take your belongings. The rep that was sent down to your property was there to verify you are still occupying the home, this is common for every lender in any state to protect their interests in the property. A Notice of Default (NOD) and a Notice of Intent to Accelerate (NOI) are two completely different notices. The NOI is sent to everyone who falls behind on payments and is simply letting you know of the past due amount and that foreclosure proceedings may begin if you do not bring the account current. An NOD is basically the official beginning of the foreclosure process. 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 Looking for advice.... BOA transferred my 1st to RCS so I now have my 1st with RCS and 2nd with BOA. Think Bank of New York actually owns loans and the others are servicing them. I payday loan cash advance get very little from BOA now but RCS has sent letters with NOTICE OF DEFAULT AND INTENT TO ACCELERATE.


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They have given us until id may to pay up or they may take steps to accelerate the sums secured by the Security Instrument, including foreclosure what is a microloan or other action to seize the property as allowed by law. A man has come by our house more than once to talk to us and unfortunately my children (teens) were home. While they did not share any specific information, they did say they were with BOA and we (parents) would know what it is about. My thought is that they are trying to see if we have abandoned the house. Husband worried they will pad lock the house and take everything inside. I need as much time as possible but wonder if I should apply for DIL again. Maybe now that we are 10 months behind they will be more likely to play ball. The extension means homeowners now will be excused from paying taxes on forgiven mortgage debt through 2013. The law, established in 2007, was set to expire Dec. 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 Start with a Qualified Written Request. As Evan said a online loans direct lenders only couple times, DO NOT PURSUE a modification if you are going to walk.

The QWR will keep them from touching your credit report for 60 days will they are responding to your request. Dispute the debt and have them prove how to get a small personal loan you have a valid debt with them! You will among other things find out who really owns the note. This would qualify you for the DOJ mod almost certainly for at least an Interest rate reduction. Although, your mortgage was probably already paid off if part of one of those pools by insurance, swaps, etc.

In your QWR, make sure to have them send a True and Correct Certified Copy of the note.


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It was destroyed almost certainly and they are using digitial copies. Signed up w fraudulent 3rd party mitigation company to save house. Per countrywide, awaiting final approval from BONY. Called every few weeks for 9 months, updated info... BAC contacted me to do cooperative short sale agreement... That same month, my original foreclosure case was dismissed in county court for inactivity. I washed my hands of the whole thing and just resigned to waiting for a foreclosure and filing chap 13 if necessary. September 2012, Select Portfolio took over loan and started sending mortgage statements. Next month marks 5 years since first default payments, which may time bar judgements according FL statute of limitations.

Discovered that my trust is listed in CWALT settlement case, and my assignment to countrywide was handwritten date and prepared by a law firm in miami that has been shutdown and disbarred for fraud, and the signed by a secretary for MERS, but who was also an atty for the preparing LLC that was shutdown. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain cheap loan rates a short sale, forbearance, or walk away legally from their underwater mortgages. 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.

I tried this, never got a response back, but quick personal loan finally after three weeks, CW finally got the appraisal ordered. We moved from our home due to family problems, relocated, was paying two house payments til I could pay no more!