Payday loans oklahoma city

He told them they had 30 days to respond or we would have to file a legal action against them. After they told me multiple times in writing that the 1099c i need a personal loan not a payday loan had nothing to do with the deed of trust. Obviously, someone with some common finally made the right decision. Update: After several attempts to request a full reconveyance for my 2nd mortgage I decided to retain a real property attorney.

It is not payday loans oklahoma city cheap so I would suggest this unless you have no other choice. However, in my situation I had no other choice since Citibank is impossible to deal with.

They lie, cheat, steal and then try to make you feel responsible.

He told them they had 30 days to respond or we would have to file a legal action against them. After they told me multiple times in writing that the 1099c had nothing to do with the deed of trust. Obviously, someone with some common finally made the right decision. You are absolutely on point-I see that I must get an attorney and file suit. Citi will not play fair-they lie and in my case steal. 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 want to talk to Citimortgage to re-negotiate my interest only loan which is coming due for full principal and interest payments in a few months. Does anyone have the latest everyday loan Executive team contact information for Citimortgage? They used to help here on LoanSafe and even had their own website for struggling homeowners, but have since taken it down.

Citi Mortgage executives seem as if they do not want to be bothered. This is the same MO almost that all mortgage servicer and lenders take. The comments by me and the materials available at this web loan 5000 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 payday loans oklahoma city years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.


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On the advice of our accountant, and also went along with what was posted here, we walked away from our HELOC at CitiMortgage. My heart stopped - I thought perhaps they were pursuing foreclosure as our property value has increased somewhat. It goes on to say the lien will be released, and we may be required to report this amount as income on our tax return.

Obviously we will be contacting our accountant, but does anyone have any experience with this? Im in similair situation , but my second mortgage with citi was discharged in Chapter 7. Your accountant can tell you more about what you can use to reduce your income, but generally, the expense needs to be in the year it was incurred. Your credit prob wont get any worse since it already shows up as a charge off.

You prob personal loans for no credit history and no cosigner cant pay it, but contact IRS and work out a payment plan. Yes, you can have write-offs, but they will need to be documented and provable. 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 Part same day installment loans II - The Mortgage Satisfaction Letter arrived today! Would that mean I have a payday loans oklahoma city whole year to plan for this 1099? I thought if it came at all, it would be dated year end 2017 and we would receive the 1099 for 2017. I sent a copy to my lawyer and she said it looks like a valid mortgage satisfaction. I got one large unsecured loans bad credit at Christmas time around 2013, just after we filed BK.

Of course the 2nd mortgage could not contact us as the 2nd was discharged in BK, however we knew that they could foreclose if they wanted to, and like you, this is what we thought they were planning (in our case it was a phone call from the 2nd). I of course called them back to let them know that they would be in trouble for contacting us after BK, but I was going to also give them an FYI that if they wanted to fixed loans foreclose, they could do what they had to do.

Imagine my shock when the Rep said they were calling to let me know the loan was forgiven and papers would be sent shortly! I got one at Christmas time around 2013, just after we filed BK. Of course the 2nd mortgage could not contact us as the 2nd was discharged in BK, however we knew that they could foreclose if they wanted to, and like you, this is what we thought they were planning (in our case it was a phone call from the 2nd). I of course called them back to let them know that they would be in trouble online loans no paperwork for contacting us after BK, but I was going to also give them an FYI that if they wanted to foreclose, they could do what they had to do. Imagine my shock when the Rep said they were calling to let me know the loan was forgiven and papers would be sent shortly! Since the house was underwater, there was no money to be made from foreclosing. I may be using the wrong term -- perhaps I should say extinguished? Since the house was underwater, there was no money to be made from foreclosing. It was our original HELOC document with CANCELLED stamped in red, and the original recording from our County Clerks office - also stamped CANCELLED. And still confused about the conflicting dates - if it will be considered written off in 2017 or 2018? I had a couple forgiven back in the day, although the Mortgage forgiveness act was still in effect about 6 years ago. 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 need fast money their underwater mortgages. I stopped making payments in 2014 in hopes of working on a settlement. They payday loans oklahoma city contacted me a couple months after I stopped making payments but I have not heard from them since.

Nor have I received any financial IRS information on them. My credit report indicates a charge off for this account in 2015. Is this indicative that they no longer hold the loan? You would have to check with your county recorder for the lien information. However, more often than not, they take many months to change it and sometimes they never bother. 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.


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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 After many months of trying to negotiate a settlement with nationstar on my second, I received notice that my loan has been charged off to veripro. I stopped making payments back in February of 2016.

Charged off is only an accounting treatment by the lender basically admitting the debt is not compare the market payday loans collectible and can no longer be represented on their financial statements as an asset or performing loan. Its likely at this point that the lender may sell it off to a collection agency that specializing in this type of debt or they may have their own recovery department that will now try to work with you to collect the total amount of the debt.

I understand the charge off, my question was more in terms of settlement options and whether or not I should expect one. I have no intention of selling and want avoid foreclosure. I also want to know if Veripro can foreclose since I have been told that they maybe a subsidiary of Nationstar. In the documentation, it states the following: As nominee for Indymac (who holds my first loan) its successor herein designated as the assignor does hereby grant, bargain, sell, assign, transfer, set over into Citimortgage herein designated as the assignee that the certain deed of trust recorded.... My home was originally purchased in 2005, and I was able to find the original Deed of Trust on my 2nd loan which was available for viewing. If you still own the property you still have a lien that would affect title on a charged off second. If you no longer own the property and are seeking options on purchasing a new home whether or not you settle, 4 years past the charge off date would be when you are eligible. If you did not settle the lien it will be treated similar to how a collection would be treated in regards to debt-to-income.