Payday loans longview tx

I was trying to avoid bankruptcy, but bankruptcy may be the best for me since I have other debt.

I have my primary home and other bills which loan with no credit are all up to date. Has anyone heard of being provided with two letters, two days apart and requesting payments within a period of time for a deed in lieu with mortgage companies? These darn mortgage servicers seem to be never held accountable and can get away with just about anything. In regards to bankruptcy, I would wait until the last minute. Meaning, since there is no judgment against you, then they cannot come after you for the deficiency. Even if they foreclosed tomorrow, it may take 1-5 years for them to come after you if they do. The comments by me and the materials available at this web site are for informational easy money payday loans purposes only and loan till payday 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. These darn mortgage servicers seem to be never held accountable and can get payday loans longview tx away with just about anything. In regards to bankruptcy, I would wait until the last minute.

Meaning, since there is no judgment against you, then they cannot come after you for the deficiency.

Even if they foreclosed tomorrow, it may take 1-5 years for them to come after you if they do. I am currently 4 months late with this rental property and was trying to be proactive since I am not living in the home. I am going to meet with the bankruptcy attorney to find out all options since I also have some unsecured debt which I am current, but will make it my last resort as you recommended.

I will keep you posted on any changes and outcomes regarding my request to not pay a dime toward this house with Wells Fargo!

Hopefully my experience will be positive in the end and can help someone else as this forum has also helped me.


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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 tried to give up the home and they want to be greedy so I am throwing in the towel. WF recently began the foreclosure payday loans longview tx process and served my husband by providing two complaints. I may be filing bankruptcy so they cannot come after me for the deficiency since I live in NJ. Hopefully, my story will help someone else in the future. Thanks for the update and yes, it does help other people who will read your words and learn from them. It just goes to show that they do not know what they are doing a lot of the time. 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 Hi, I was just contacted by WF who has proceeded to foreclose on my property as of May 2017. Recently, I was sent information about the flex modification program. It seems they are decreasing my monthly payments if I agree to a trial modification, but keeping the interest rate the same and the mortgage term is the same. I am not for certain of how they were able to reduce the monthly payments, but was told they are willing to put the monthly mortgage arrears on the back end of the loan.

Has anyone heard of the flex modification program and payday loans lubbock tx if so, can you shed some light on this issue and how it works.


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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. The main goal with a loan modification is to lower your monthly mortgage payment to 31-45 percent of your verified monthly gross (pre-tax) income, and any back end debt to ratios such a credit cards, car payments, installment loans, etc. The debt to income ratio prior to obtaining a loan modification would need to be more than 31-45 percent of your verified monthly gross (pre-tax). 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 low apr payday loans site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. 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. Reading through your help topics, I understand the house is way above payday loans longview tx water. She has never missed a payment on her 1st mortgage but never paid anything for her 2nd mortgage. Her 2nd mortgage was created in 2008 and I believe was sold to RealTimeResolutions sometime in Oct 2016 based on the late fees.

Can anyone help me out on how I should attempt to settle with them?

During 2010 the first mortgage was modified and we are current on it till date. The second lender did not modify the loan giving the reason of our low income. With our best of efforts the second was not modified and we are not paying since 2010. Recently we have received an intimation from the second lender about the amount direct lenders due. The second lender says In case the amount is not paid, it will go for foreclosure.

Being in California and being current with the first lender, is it possible for the second lender to go in for foreclosure? If yes, what is the best option to resolve the issue?

Also this has been a hot topic recently and I want to make sure that I mention something that I have been able to accomplish, it may or may not help depending on the situation. We were able to obtain a payoff in the amount of 90K, refinance this borrower via a cash out refinance because they were beyond the 4 year requirement and pay off that 2nd lien at 90K (not 120) and give them a whole new 1st mortgage. Your 2nd lender can initiate foreclosure however they would have to get the 1st mortgage to agree to pursue it as well as pay them off. 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 believe that the loan modification process can beneficial to both payday loans longview tx the consumer and lender when it is done for long term affordability. Homeownership has and always will be part of the American Dream. We strive to fix loans and keep people in their homes. An outcome that is beneficial to all parties involved. Loan Safe bridges the divide between borrowers and servicers by acting as an intermediary and advocate of mitigating loss for all parties involved. We utilize our network of consumer friendly not for profit websites like to educate and connect consumers with their servicers. To payday loans companies date we have assisted over 100 people in saving their homes for free. In order to effectively create solutions, all parties need to come to the table with the common goal of mediating damage in the most proficient and cost effective way possible.