Payday loans las vegas nevada

The Partial Claim agreement was terminated, per their own terms, when we filed for bankruptcy in 2013.

And, the Note and related mortgage stopped being insured by FHA in 2013, when they paid the lender and the loan was subsequently sold AGAIN. Later, they voluntarily dismissed the case and cancelled the lis pendens... The old lender made a motion to vacate their own, voluntary dismissal almost a year after making that motion themselves. Judge denied their motion entirely and granted ours entirely.

Even the time period to appeal their denial has passed. We are paying literally nothing to live here except utilities and upkeep. 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. We did not reaffirm either mortgage, but continued to pay both. I knew there was no way I could afford this 2nd heloc, originally when I got small personal loans the loan, it was during the housing boom, no income verification, stated income, stated assets, stated appraisal (which gmac glorified so the loan would be approved, and they told me I could just refinance again before the collection on principle stage) Anyhow, that is how I found this wonderful site.

I read, and read, and read, and told my spouse I was going to stop payday loans las vegas nevada paying heloc. I told them house values were down, foreclosures abundant, and the value of my mortgages exceeds the equity. I got a few phone calls, from a loan counselor which I saved. I got a couple letters urging me to call, I did nothing.

Right before the long weekend (6 months since I have paid) I get a letter from ocwen. Imagine my surprise when it stated they decided to release my lien, forgive the mortgage debt, cease collections on the loan, installment loans in california with bad credit and not proceed with foreclosure. They will report it to the credit bureaus (I will dispute and get it off, as it was already reported as included in bk, etc-I already had to get ocwen off my credit report once when they took over servicing) I checked the county records, and sure enough the lien was released. A HUGE weight has been lifted off my shoulders and I thank all of you! I gained so much knowledge and strength from all of you!


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It was one of the hardest things to do, for one to not pay a bill, and for 2, to stay payday loans las vegas nevada strong. I am just thrilled to have my home) We really appreciate you joining the community and sharing your success.

Just like the stories you read from others that helped you along with the process, your words will also encourage others to keep fighting. 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. Im so glad to read success stories and hope this will one day be me posting. My situation is very similar with paying for so long on a 2nd that was discharged in a BK.

Do you have an email address or street address for Ocwen that you sent everything to?? 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 was notified today that my final signed HAMP loan docs have been recieved and to contact customer service from now since my process is complete. Between my long battle with HAMP, several denials and the lengthy process in settling my second, I must say my MAIN source of guidance was this forum. For the last two years I was on this site on a daily basis educating myself by asking questions and learning from others. For all of you who took the time to care and answer my questions, I thank you for your compassion and having a servants heart...

If theres anything I can do to pay it forward, I will.

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of payday loans without lenders 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 online fast cash loans individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer The comments by me and the materials available at this web site are for payday loans bad credit online 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 have my 1st with WF payday loans las vegas nevada and have just applied for modification and waiting for reply. Appreciate your inputs and recommendations to deal with them. I have my 1st with WF and have just applied for modification and waiting for reply. Appreciate your inputs and recommendations to deal with them. After being denied several loan mods, I stopped paying my second in March 2011. I started the HAMP process in Feburary 2012 and finalized everything in this month. My advise for your mod on your first loan is be annoying, persistant payday loans las vegas nevada and call every monday and friday. I would like to understand your experience bit in detail to give my best try at it, if you may clarify questions below. You said it was rejected multiple times, why it was rejected each time and how did you overcome each of them? Little bit of detail would help here as I am stage of waiting for their no money down loans answer right now. Is there waiting time between the time they rejected a loan modify before you can reapply? Is there criteria to be met to be considered for loan mod again. If you can share specific tips on handling it successfully - such as cash reserve related questions, hardship status, income if higher, etc.

As my house not totally under water and is with 2nd lender - wondering is it worth defaulting and there is possiblity for settlement of lower amount? Wondering if defaulted for 4-6 months, then it is possobility to settle for less 3. What is the impact to house and what does it mean to me? I would like to understand your experience bit in detail to give my best try at it, if you may clarify questions below.

You said it was rejected multiple times, why it was rejected each time and how did you overcome each of them? Little bit of detail would help here as I am stage of waiting for their answer right now.


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Is there waiting time between the time they rejected a loan modify before you can reapply? Is there criteria to be met to be considered for loan mod again. If you can share specific tips on handling it successfully - such as cash reserve related questions, hardship status, income if higher, etc.

As my house not totally under water and is with 2nd lender - wondering is it worth defaulting and there is possiblity for settlement of lower amount? Wondering if defaulted for 4-6 months, then it is possobility to settle for less 3. What is the impact to house and what does it mean to me? I applied a total of 3 times for a loan mod and once for HARP. The communication was horrible on WF part and 6 months into the process I got a denial letter.

Communication was much better on WF part, but I was ultimately denied. The reason for this denial was because I was current on my 1st mortgage. Reading the writing on the wall, I scaled way back on my overtime for three months. As far as cash reserves, we only had a few thousand dollars in the bank any given time. Running a credit score does not reveal who you bank with...

Lets say you open another random account somewhere to store some money.... I never really had the problem of too much money to worry about that. I re applied for HAMP late January 2012 maybe early February and was finally accepted at the end of June 2012. The process was relatively painless and communication was decent on WF part. There is no time, per se, that you have to wait to reapply. The only thing WF cares about is that your numbers fit the HAMP formula.... This scenario would best be answered by Tom Eason or CAT....

My first and second were totally under water and then some. It took one year, but my second was finally settled. Do you mind sharing details on how does it changed in your case if at all between 3) Did bank decide on new 30 yr term (if they did in your case) at the time of permanent modification or at the beginning of trial payments? Do you mind sharing details on how does it changed in your case if at all between 3) Did bank decide on new 30 yr term (if they did in your case) at the time of permanent modification or at the beginning of trial payments?