Payday loans no paperwork

As noted above, I started hearing from a collection agency in October 2013. They bugged me off and on for a few months, but I never responded to them in any way. After around spring 2014, it all went quiet again... I got a demand letter about this debt from a law firm.

I Googled them and they apparently specialize in collections and suing people for old debts. Obviously, if I get sued, I have to respond in some way.

I was just curious if I should do anything Some other background information: The house that was originally involved in this (the one with the HELOC) went through foreclosure - the initial filing was in spring 2012, and the foreclosure seems to have finally gone through in spring 2014, when the house was sold by the sheriff. The payments on the HELOC would have stopped no later than mid-2011, but I suspect they stopped a little earlier than that, maybe up to a year.

I retained an attorney to represent me shortly after I got it. After some back and forth between my attorney and that law firm over the summer of 2016, I was sued by that law firm and served in October 2016. The initial court date was in December 2016, but it was continued into payday loans delaware early 2017.

Before it went to a hearing, my attorney made a settlement offer to the firm that was suing me.

They accepted, and I ended up paying about half of the amount they were suing for, in March 2017. I remember wondering if it was a good idea when I was asked to sign it, and I now know should have stopped at that point and asked a lawyer. However, the allure of if you sign here, all of this break-up stuff can be over was strong, so I signed it.

Since 2007, the LoanSafe forums find loan 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 eventually did a modification on my 1st and have been paying on this since then. What do you guys think my best option is here working with Citi to get this taken care of? If you sell with the lien and debt, then it would most likely be a short sale scenario and Citi would need to agree to the sale and taking a small loss for it to go through. Hence, they would be shorted and why it is a short sale. 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 The comments by me and the materials available at this web site are for informational purposes only and not for payday loans no paperwork the purpose of providing legal advice.


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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 faxless payday loans direct lenders 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. 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 easy same day loans from their underwater mortgages. I really need help understanding what my options are in regards to a zombie second mortgage that just resurfaced on my primary residence in California. Please review the below and offer whatever advice you can, it will be much appreciated! What we were told by BofA is that, while they were going to mod both notes, they had to finish the primary modification first, and that the charged-off second would be payday loan direct lenders only extinguished at some point thereafter. To make a long story short, they never extinguished the second. About then, we got a piece of advice from an acquaintance that, in retrospect, was not particularly helpful--we were told that the debt large unsecured loans bad credit would keep showing on our credit report until seven years had elapsed, and that after that point the collectors would stop bothering us. The note holder (a trustee of our original MBS) transferred it a few times to different servicers. We made no payments, had no contacts, basically just ignored it, again, because we thought the second had been extinguished and we were just waiting out the seven year default period, in September of 2016. Less than a month ago, and nearly eight years after the initial default, we had a doorknocker come to the house, and inform us that Park Tree Investments had acquired the note, and was demanding payment in full, plus back due interest dating to the last payment in September of 2009. Needless to say, that started a lot of semi-panicked memory searching. I still had all of the docs from the modification, and could not find anything about the second in writing, everything about the second had all been by phone call. Of course, our situation has changed in the intervening years. At the time of the modification, it was sketchy as to whether or not a foreclosure would have paid anything substantial on the second. Now, the house is in the money, in a big way--mostly due to appreciation in our area, we have enough equity to cover the first, the second, and potential foreclosure expenses.

We reached out to Park Tree, who basically told us too bad, so sad, our profit your loss, etc. Park Tree, just like payday loans no paperwork the rest of the previous mortgage servicers are here to make money - period. Hence, their lackadaisical approach to collecting from you. All you can do now if you got the cash is try to settle by countering their offer and meeting somewhere reasonable.

You could get on some type of loan repayment plan or you could sell the home, payday loans no paperwork pay them off and take the profits. 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. Just putting all the data in the thread, again, in the hopes it may help others. Since we have not paid on the account for the last eight years, this would appear to be either a mistake, tied to the original date that the previous servicer received the file, or an attempt to illegitimately re-toll the SOL.

I have docs that indicate that BofA sold this note to BoNY, and (it seems to me) then BofA just crammed a bunch of other fees into our pending DoJ writedown to make up the difference on paper. So, in essence, something we agreed to verbally (a combined short term loan interest rate modification) was changed during the trial payments period when the BofA sold the note away, while adding in fees and escrow payments that were then immediately payday loans no paperwork written off, to make sure the writedown looked as if both notes were being combined in the mod docs. Potentially all legal, at least in the technical sense, but shady, shady stuff! The recommendation we got was to ask for either an entirely clean new note, or restart the note under a different account number. Is there any reason (other than concerns over loan seniority) that Park Tree would be harmed by helping us protect our credit?

To be honest, I have never seen and or heard of a new note being issued and or under a new account in any mortgage modification or loan workout in the last ten years.

I would say your best bet is to start under a new account so I would try asking them that. 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. 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. Though down from the 100 markets shown as improving in May, the list includes 28 new entrants and at least one representative from 31 different states (including the District of Columbia).

The index identifies metropolitan areas that have shown improvement from their respective troughs in housing permits, employment and house prices for at least six consecutive months. Notable new entrants to the improving list in June include Tuscaloosa, Ala. The shifting of some markets off the IMI in June underscores the fragile nature of the housing recovery as well as the fact that many locations that previously made the list had recorded only marginal house price gains, which were easily wiped out by small downward changes, noted NAHB Chief Economist David Crowe. However, the fact that multiple new areas are showing up on the list each month is encouraging, and highlights the degree to which local economic and job market conditions are what drive individual housing markets. The fact remains, however, that real estate fundamentals are still improving in many areas across the country.

The IMI is designed to track housing markets throughout the country that are showing signs of improving economic payday loans no paperwork health. The index measures three sets of independent monthly data to get a mark on the top improving Metropolitan Statistical payday loans no paperwork Areas. The three indicators that are analyzed are employment growth from the Bureau of Labor Statistics, house price appreciation from Freddie Mac and single-family housing permit growth from the U.

NAHB uses the latest available data from these sources to generate a list of improving markets. A metropolitan area must see improvement in all three areas for at least six months following their respective troughs before being included on the improving markets list. A complete list of all 80 metropolitan areas currently on the IMI, and separate breakouts of metros newly added to or dropped from the list in June, is available at The comments by me and the materials available at this web site bad credit personal loans in san payday loans no paperwork antonio 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 Get free mortgage help today. 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.