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It is witnessed by a Vilma Castro and Notarized by a Bryan J. After numerous phone calls and letters AHMSI turned down my modification request. In a letter they told me I could appeal it and contact the NYS banking Department, which I did. Then I received a letter stating that Homeward Residential is the new servicer for AHMSI. That followed with an e-mail from their legal department indicating they received a letter from NYS and are going to review for a modification again. Could I try doing a short sale and if so, how do i handle the other two liens?

Do I try to settle with them or does Homeward get involved in assisting with that? Also, what about just turning in the keys to Homeward? If those options are out I might have to consider a bankruptcy and turn the house in. Are you saying that even with the new modification and not paying the other two loans, things are tight?

What percentage of gross income is your payment on the first lien? 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 They kept my term the same which is about 14 years. I am on the loan and deed myself and have owned for 14 years. They used household income even though she is not on the loan. They are required to use the household income if you provide it initially, otherwise in this scenario, they would have illinois payday loans not been able to get your payment down low enough to be 31 percent of your gross income alone. The comments online payday loans 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 same day bad credit loans instant decision should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions persoanl loan 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 Could I try doing a short sale and if so, how do I handle the other two liens? Do I try to settle with them or does Homeward get involved in assisting with that?

Also, what about just turning in the keys to Homeward? 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.


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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 I figured as much. What I will probably do is keep the mod and contact the other two lien holders and see if they will settle. Since I only have 14 years left and the rate is so low, alot goes to principal each month. I will either ride it out for 14 years or rent it out to cover the mortgage. 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 Hi Cat! I am not behind on my mortgage now and next payment is due September 1st. I have spoken to a bankruptcy attorney to file a chapter 7 individually and while doing a lien search he found that there is another small mortgage in first place, not AHMSI! I stopped paying on it years ago and it payday loans now was thru a private individual who filed bankruptcy a couple years ago. I plan on filing the bankruptcy anyway because I need to get rid of the debt. If I stop making payments in September, how long do you think I could drag this out? I know if I file bankruptcy I probably would have about 4 months total.

I am not behind on my mortgage now and next payment is due September 1st. I have spoken to a bankruptcy attorney to file a chapter 7 individually and while doing a lien search he found that there is another small mortgage in first place, not AHMSI! I stopped paying on it years ago and it was thru a private individual who filed bankruptcy a couple years ago. I plan on instant payday loan lenders filing the bankruptcy anyway because I need to get rid of the debt. If I stop making payments in September, how long do you think I could drag this out? I know if I file bankruptcy I probably would have about 4 months total. Foreclosures in NY are still moving at a snails pace, the New York statewide average to repossess a home was 1,056 days in the first quarter of 2012 according to an April 12 report by RealtyTrac. 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.


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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 Wow, that is crazy!

I had 30 days to respond, but I ended up getting my modification completed within that time frame, so nothing happened. I find it hard to believe one could stay in a home almost 3 years before they get locks put on the doors. So you are saying that even after getting a summons like I did, the process could take another 2 years? I wonder if I should consider renting the place out for awhile.

If I did receive a summons from an attorney, do you think I could delay low interest personal loans the inevitable even longer if I had an attorney respond to them proving that they are indeed in 2nd place and that they cannot foreclose on me? I had 30 days to respond, but I ended up getting my modification completed within that time frame, so nothing happened. I find it hard to believe one could stay in a what is an installment loan home almost 3 years before they get locks put on the doors.

So online payday loans you are saying that even after getting a summons like I did, the process could take another 2 years? I wonder if I should consider renting the place out for awhile.

If I did receive a summons from an attorney, do you think I could delay the inevitable even longer if I had an attorney respond to them proving that they are online payday loans indeed in 2nd place and that they cannot foreclose on me? If you want o verify the timeline currently, if it were me, I would call around to a couple of real estate foreclosure attorneys in the area and ask them how long the process is taking currently. 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 I filed a Chapter 7 Bankruptcy on 12-13-13 and I received my Discharge 3-14-13. I know longer am personally liable for any of the debt. So online payday loans in order for Ocwen to foreclose they are going to have to offer the 1st lien holder, which is the bankruptcy trustee for that company, a settlement.

So would Ocwen just have to go through the foreclosure process to eventually get me out? 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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Why would they give us a Mortgage release, and satisfaction letter that was recorded at the courthouse? Why would they give us a Mortgage release, and satisfaction letter that was recorded at the courthouse? It seems they have released the lien and are giving up their interests in the property. Have you not made a payment in the last year and a half? 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 online paydayonline payday loans loans Read our Privacy Policy and Legal Disclaimer Hi Evan, I am his wife and no we have not paid in some time, we were expecting a foreclosure but instead recieved this, and a letter from real time resolutions to collect the money we owe and I am understanding that RTR deals with second mortgages but this is our first and only. I would recommend contacting a local real estate attorney and get a brief consultation to get their opinion on this. 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 Thank you Evan for taking time to respond, I did call one today and basically they want one hundred fifty dollars for a half hour of time so I am going to try to contact our legal aid dept and see if they can help.

Everyone I have spoken to is lend money online online payday loans as confused as we are. We originally had option one mortgage (which are the ones that signed the release) then it was sold to AHMSI which I am reading is another debt collector? We originally had option one mortgage (which are the ones that signed the release) then it was sold to AHMSI which I am reading is another debt collector? Unfortunately, AHMSI cannot offer any type of permanent assistance based off unemployment income.. Generally all servicers can offer when you are unemployed is a forbearance period which will give you 6-12 months of reduced payments while you work on increasing your earnings.