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First thing he asked was for me to verify my social and address. Of course I said no, you called me why would I do that?

I said what matter, no idea what you are talking about. And again he tried to get me to verify to which online pay advance I said sorry there is no reason for me to verify anything with you, whoever you are. I made it even more interesting by also telling him I do not give my consent to record our conversation and in California that is my right. He basically ended the call at best personal loans for fair credit that point and I have heard nothing since.

Afterwards part of me would have liked to hear what he was going to say, though my guess it was just a more senior collections person. On another note, I have noticed quite a few folks recently on these forums reporting that GT has filed suit and they prefer this course of action. My 2nd is a purchase money loan in CA which means they have to FC before they can sue. Since the 1st is still significantly underwater I dont see that happening anytime soon. However in doing my research I happened to check MERS website and something stood out to me this time. Both loans were initiated during escrow to purchase the property but they have different online pay advance note dates. Seemed strange to me because I would expect they both would be dated at the close of escrow. The 2nd is dated 6 days prior to the 1st and I believe the 1st is correct being dated at the close of escrow. Knowing how GT likes to sue and bend the rules in their favor I wonder if they might use that date difference to suggest it was not a purchase money loan. A GT rep finally got a hold of my bad credit loans georgia personal cell phone number, no idea how they find this stuff but anyway. First thing he asked was for me to verify my social and address. Of course I said no, you called me why would I do that? I said what matter, no idea what you are talking about. And again he tried to get me to verify to which I said sorry there is no reason for me to verify anything with you, whoever you are. I made it even more interesting by also telling him I do not give my consent to record our conversation and in California that is my right.


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He basically ended the call at that point and I have heard nothing since. Afterwards part of me would have liked to hear what he was non payday loans going to say, though my guess it was just a more senior collections person. On borrow a loan another note, I have noticed quite a few folks recently on these forums reporting that GT has filed suit and they prefer this course of action. My 2nd is a purchase money loan in CA which means they have to FC before they can sue. Since the 1st is still significantly underwater I dont see that happening anytime soon. However in doing my research I happened to check MERS website and something stood out to me this time. Both loans were initiated during escrow to purchase the property but they have different note dates. Seemed strange to me because I would expect they both would be dated at the close of escrow. The 2nd is dated 6 days prior to the 1st and I believe the 1st is correct being dated at the close of escrow.

Knowing how GT likes to sue and bend the rules in their favor I wonder if they might use that date difference to suggest it was not a purchase money loan. On another note, picked up my mail yesterday and I got the monthly GT statement from their asset receivables department. On another note, picked up my mail yesterday and I got the monthly GT statement from their asset receivables department.

This week I received a letter from GT servicing that BofA is forgiving the 2nd as a result of the DOJ settlement. I hadnt paid it for nearly 2 years but considering this was GT servicing and BofA investor I nearly fell out of my chair with this development. Now I need to reconsider if I want to bail on the home. It was a nice surprise then again I had already resolved myself never to pay that 2nd anyway. Purchase a new home in 2013, moved and rented out the 2007 home. Continued to pay IO first while renting, however, IO period has ended. The home is still underwater and likely would not net enough in a sale to cover mortgage and seller expenses. My goal is to short sell the home but not looking likely. So I am contemplating sending the application without bank statements, tax returns, etc. I am in California, its a first mortgage so there is really nothing they can do other than FC or SS.


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Its non-recourse so they cannot try to collect the deficiency.

Maybe its worth it just to give them everything they want and see what happens? Stretching out the home until the my first interest only period expired seems to have made a huge difference. I waited until the interest only period ended so I was making some income on the rental for a while. The IO period ended this year so stopped paying everything and got several months behind before putting the home on the market. To my surprise it sold quickly and for enough to pay all closing costs and remaining 1st mortgage balance.

Now I can watch my credit heal and I same day loans bad credit direct lenders am done with that losing investment. Thanks for all the advice I received on this site, I never could have done this without finding some of the great information and advice of the people on this forum. I kind of thought they were independent, but I was trying to be clever!

LOL I was going to try and make the arguement that if the SOJL cannot enforce the collection of the debt through the court system than technically there is online pay advance no legal obligation? I know its a stretch, but I so want to sock it to GT! 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 predict tiny gains from here forward and a part of me thinks we may even see another modest downturn.

I bought a new house and short sale the previous home.

It took around 6 months to finalize the short sale process. Credit score was dropped from 765 to 650 and now it is 700. It will be a year next month that reported short sale on my credit report.

On another note I never bothered to spend my energy in writing GT a letter about their violation of FDCPA. For a couple of months I was getting monthly hits to my credit report for payment past due, 60 days then 90 then 120, etc. But the notifications I get from the monitoring service has stopped the last 2 months. This will allow you to view your credit report (not score) with both hard and soft pulls on your report.

GT ones sometimes show up on both, or only on the soft list.


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You can kind of gauge their level of activity from this.

I can say that they tend to do a pull before they attempt a phone contact On a related note, the 2nd has been charged off. The note on Experian says it has been referred to collection. I am using Google voice as my home number so I never pick up the calls but there online pay advance has been a constant stream of missed calls with no messages. The note on Experian says poor credit installment loans it has been referred to collection. I am using Google voice as my home number so I never pick up the calls but there has been a constant stream of personal loan finder missed calls with no messages. IIRC, the (short) period where they stopped calling roughly begins at charge-off. They were so nice to include an addressed envelop for mailing back the check.

I also received my annual adjustment notice on the 1st mortgage. Too bad its just a matter of time before this ticking time bomb reverses. The biggest thing I have suddenly started to notice is what I believe to be a reversal in the real estate market. Quite a few homes in our area are up for sale and they are staying on the market longer than they would have just last year. I know a few of the local agents who are trying to tell me the market is normalizing.

Their definition being a home that was selling quick in less than 30 days with 10-15 bids is now taking more like 60-90 days... What do I know but seems to me that means things are slowing down and obviously also means prices wont be driven up as much as last year. Helps me understand pricing and what I think the value on my bail house is. Today I logged in to see more than 50 new notices!! And nearly all of them were some stage of foreclosure!! I just have to wonder if banks are starting to clear out that shadow inventory now. You know all the homes they were dragging their feet on? Who knows I am only looking in my general surroundings but I have never seen this many notices on one day since I started keeping track of this over a year ago.

And I think it supports something I have been kicking around.