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I keep telling him that we only want to have written contact with them. I how can i get a personal loan with bad credit just need some conformation that I am doing this right...

We are currently at 11 months of non-payment to Specialized Loan Servicing, the holder of our 2nd.

They have sent us a couple of in house modifications over the months and about a half dozen calls up until the last couple weeks. Sometimes they leave a short message just asking us to give them a call.

My husband is just afraid that they are going to foreclose on us and I keep telling him that there is no way at this point they will.

If you want to continue with the auto-pay on your 1st, you can do that deposit just enough into your Chase account each month to make that payment. For your second question about both loans with the same lender, that has been covered several times. Unfortunately, as do many spouses, you have the additional challenge of convincing your spousal unit of the effectiveness of following the strategy. A debtor can try negotiating ( credit bargaining ) as a condition of the settlement.

The best solution would be for BOA to ask the CRAs to delete all reports on that account. I would ask them to do that as a condition of your settlement.

However, failing that, I believe the best you might expect from BOA is their agreement to report the account Paid (nothing after that word).

Thanks for your suggestion that readers use the search tool. I intend to remind folk to use it to find their answers. Once everything is in place I engage step 1 and stop the autodebits from my Bank Of America checking account (how I currently pay WF). WF has been nothing but a source of pain and suffering since I bought the home and I feel no guilt not paying them. I am slightly worried about foreclosure or a wage garnishment but I know those are very unlikely to happen. I tried searching for info about if WF might just start raiding my B of A account for their money even if I stop auto debit. I am slightly worried about foreclosure or a wage garnishment but I know those are very unlikely to happen. I tried searching for info about if WF might just start raiding my B of A account for their money even if I stop auto debit.


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That cannot happen without your fist being sued and losing. Since 2007, the same day loans online instant cash 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 did walk from my home, and I was happy to go, so mine was more of a strategic foreclosure. I waited to stop paying on the 2nd because I was still researching at the time what my consequences might be places to get a loan with bad credit and was still a bit unsure.

I also had this idea that maybe if I was at or close to foreclosure (initiated by Wells) when GMAC was close to charging off my 2nd, that they might be more likely to want to settle since they would be pretty certain that they would be stripped of their lien. About 3 months after I stopped paying Wells, GMAC sent me an unsolicited modification letter (to reduce the interest rate) which I ignored, because foreclosure was about 2 weeks away. My mother was willing to provide these funds and I sent them off. The deal was full and final satisfaction of my obligation.

I did a stratigic default with 1st and 2nd in California. I took the route of calling and faxing in a settlement offer about three months after 100 day loan stopping payment. Eventually this charged off at appox 150 days (bit earlier than expected, but OK). The original dept that had the late was not really useful and a waste payday loans delaware of time to deal with (this is the group that does short sales, approves settlement, but only if large percentage of balance with all financials, etc). This first dept insisted Chase would never settle without financials, and the lowest they would ever go was 40 percent of the balance. After the loan was charged off it went to the recovery dept where things got more traction, but initially still wanted 30 percent to settle and all financials. Eventually as the house got close toledo loans to FC I upped my offer to 17 percent, with a simple one page offer faxed to the dept. Again told it would never happen, but as the sale date for down to the last week I was called and asked if I could make good on the payment withing 3 days they could accept.


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Well I could not pull the money that fast so we agreed to a first payment of about 5K done with electonic check, with the balance due in 2 weeks (this gave me time payday loans delaware to pull money). This was no credit check personal loan contigent upon them sending we a payday loans delaware written offer with the terms agreed upon per my settlement. Took them 24 hours to get the settlement agreement faxed to me, and it did not contain the wording that I wanted as paid in full , but instead settled in full for less than full amount.

After a couple of back and forth conversations I decided that was good enough for my needs as I was also settling a couple of CC so the credit report was a secondary consideration. I was a little nervous about the electronic check (where you give them routing info and they pull from your account) however since I had a written agreement (versus offer, be sure you know the difference) if they played any games on the account it would federal wire fraud on Chase, not something any company is going to do.

Made the two payments as agreed, account was closed with agreed upon verbage on the credit report, and a release of lein was recoreded with the County Clerk about 3 months later. All in all I was very happy to put the whole thing behind me. First I would like to thank you for setting up this thread. I think it will be extremely beneficial and a huge time saver if we can have 1 place to. As you can see your original thread is quite popular and new folks would be wading through pages and pages just to find info that would be helpful and most importantly applicable to their situation. Now having payday loans delaware said that I will say in order for this thread to be successful (just my 2 cents) you will need to remind posters from time to time to just keep this thread about success stories(along with specifics of their financial data, lender, investor, interest rates, how far behind, etc) and not get into a separate discussion or banter which defeats the purpose. Also when you find someone who has success settling their 2nds in other threads, I would encourage you to invite them to post their success stories here (this is what worked for me on my thread) I know folks can get a little touchy and may feel like your hijacking their threads but the intent is truly to help and organize information for the benefit of all.


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These forums have been extremely helpful but no one has hours and hours to weed through all the pages and pages of discussions.

I like to see what IS working and what the circumstances were that led to that success. Every situation is different and therefore the results are going to differ.

First I would like to thank you for setting up this thread.

I think it will be extremely beneficial and a huge time saver if we can have 1 place to.

As you can see your original thread is quite popular and new folks would be wading through pages and pages just to find info that would be helpful and most importantly applicable to their situation. Now having said that I will say in order for this thread to be successful (just my 2 cents) you will need to remind posters from time to time to just keep this thread about success stories(along with specifics of their financial data, lender, investor, interest rates, cash loans online bad payday loans delaware credit how far behind, etc) and not get into a separate discussion or banter which defeats the purpose. Also when you find someone who has success settling their 2nds in other threads, I would encourage you to invite them to post their success stories here (this is what payday loans delaware worked for me on my thread) I know folks can get a little touchy and may feel like your hijacking their threads but the intent is truly to help and organize information for the benefit of all. These forums have been extremely helpful but no one has hours and hours to weed through all the pages and pages of discussions. I like to see what IS working and what the circumstances were that led to that success. Every situation is different and therefore the results are going to differ. FYI, Moe had to turn off PM capability for everyone several months ago, due to security concerns and the required heavier filtering.