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Countless people have already lost their homes to foreclosure these past few years and it makes no sense why they would wait another 9 months to paycheck advance locations get these rules in effect! 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 payday loans salt lake city 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 sure hope something changes. I have been trying to get a modification on our home since June 2013. They have paycheck advance locations continuly lost my paper work, told me that files I sent by email or fax were damaged.

I then sent them by priority mail with detailed table of contents showing all docs and how many pages.

They are constantly asking me for more and more documents and it takes so long that the docs I do send that they upload become out of date and they ask for them again. I just found out today there is a sale date set on our home for January 31, 2014. I am in Bankruptcy Chapter 13 and this will stop mortgage companies from moving forward with the foreclosure sales. I have one permanent loan mod accepted through OCWEN (used to be with Countrywide and then BOA). This was done while in Ch 13 and by myself with no professional help and with some advice from this FORUM. The second loan mod was accepted for trial payment but we could not make the payment so we declined.

The second primary loan mod was with Nationstar (used to be Countrywide and then BOA). Call BOA back everyday and record the name and ID of the rep you speak to. Make a log sheet for BOA and keep record each time.


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Record person, ID (if possible), date, time and the number you call. Also on this forum, there is an email for BOA executives. The need money for christmas second primary loan mod was with Nationstar (used to be Countrywide and then BOA). Call BOA back everyday and record the name and ID of the rep you speak to.

Make a log sheet for BOA and keep record each time. Record person, ID (if possible), date, time and the number you call.

Also on this forum, there is an email for BOA executives. Posting the information about what you are experiencing with the lender is fine the other is not able to be posted on the forum. 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 had a hamp few years mortgage gonna ujust trying a new mod this week hope they can do something?

I am not an attorney and my comments should not be used as any type of legal advice. Seek your own attorney in your own state to best protect your rights. 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 payday loans milwaukee their underwater mortgages. I assume they are now about to actually try and foreclose? That includes all missed payments and the principle.

In my opinion, there will be very little negotiating with mortgage servicers moving forward.

I do not think that loan modifications and great loan workouts are on the table for hardly any struggling homeowner.


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If I were you, I would sell or cure the loan and then sell direct lenders personal loans so you and cash in on that equity before they foreclose.

Then count your blessings and cash that you went 9 years payment free and move on. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing paycheck advance locations 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 Are they really going to pay off the first and foreclose? They may but that leaves very little equity after all is said and done so it may be a bluff.

I would think about selling because that is probably the only guarantee of walking away with some cash and keep the cash you have. Moving forward into the Greatest payday loans without lenders Depression ever, you may need that money to live through the economic turmoil. 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 know a woman in Union County, not far from your home.

She had to file for personal bankruptcy, and than sale the home. The tenants in the home currently have a lease until June. What is the process of a foreclosure of a second mortgage? Are they payday loans in toledo ohio just selling the lien subject to the first or are they required to payoff the first before a trustee sale?

After the 45 day mandated letter (NOD) they will file at the courthouse (where property is located). Another section of law says this notice must include alternatives to foreclosure 30 days before filing. From there they will schedule a hearing with 10 days notice. You will very likely lose that hearing, but you could also request additional time if you can show good cause, such as trying to settle. Hearings can be done on zoom or by teleconference during COVID. Its actually easier for you since you may be in Florida. Given that this property is not owner-occupied, these proceedings may proceed quickly even in spite of COVID. You personal loans online paycheck advance locations for bad credit will have a foreclosure judgement on your record. This deficiency is going to be their costs and fees and all the legal wrangling they have to do to make arrangements, get approval, from the first lienholder.

You are better off attempting to negotiate and pay off. Taking any discount you get is better than having to pay an extra 2500- 6000 in legal costs tacked paycheck advance locations on top of the 72K.

Write them a letter and offer settlement and bad credit loans in pa include a legal request to pursue foreclosure alternatives for 60 days. Tell them, upon acceptance they will receive payment in 30 days (or something pre-determined). Hopefully this will delay the legal filing in order to attempt a cure or reduced payoff. You can also pay up (reinstate by paying past due or payoff in full) so many days before the sale. You could possibly get a deferral on payments during COVID and stall a bit by filing the requests. Just so you paycheck advance locations know, they can post the notice on the property, which automatically informs your renter.