Payday loans over 6 months

Foreclosure proceedings were started by BofA, but never completed because of the bankruptcy, and I still own and live in the home.

I am trying to refinance my current mortgage on my home, but when my credit is pulled, Experian is reporting the foreclosure along with the bankruptcy. Equifax and TransUnion are only reporting the bankruptcy. So, during a refinance, they have multiple methods to verify your credit profile and payment history other than just the credit reporting agencies. 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. Chapter 7 will appear on your credit report for 10 years. I doubt payday loans over 6 months if a foreclosure and bankruptcy reported together will have a bigger impact on your credit report compared to just the bankruptcy. And isnt there still a lien on your home from the home equity loan that was included in bankruptcy? Is your bank doing a refinance without getting that old lien released?

Since 2007, the LoanSafe fast cash advance loans 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. There was a foreclosure sale date on my home last Feb 19, 2020. I filed skeleton Chapter 7 on Feb 5, 2020 which put the foreclosure auction sale date on hold.

I submitted a loan mod to the lender on payday loans over 6 months Feb 13, 2020. It was finally accepted and currently being reviewed by underwriter as of Feb 20, 2020.

I did not submit the required docs for Chapter 7 fast money online within 14 days and so my Chapter 7 will get dismissed. My questions are: 1) Can the lender foreclose once they find out that my Chapter 7 gets dismissed?

If or when they do, can they schedule a sale date right away?

If the bank can still foreclose, is there anything I can do to stop it?

To clarify on my above post, I had a loan modification done in 2015 and went through the 3 month trial modification successfully.

Last year, when my income had dropped and started having difficulty making payments on time. They said they have bad credit loans florida been talking to my lender and they have been advised. Until I received a voicemail from someone local on January 14, 2019 asking if we want to sell our house because he saw an ad in the local paper about the foreclosure sale. The law firm was not aware of that and I had to tell them. They then submitted my loan mod app on January 17, 2019. I then removed the law firm from my account and requested a refund.

I received the refund but left with a foreclosure sale date. I filed Chapter 7 to postpone and so I can apply for a loan modification.

The underwriter has my loan mod app now as of Feb 20, 2020. But I am very scared that the lender will still foreclose payday loans over 6 months if and when they find out that my Chapter 7 has been dismissed due to failure to submit the required paperwork within 14 days.

The idea is just to submit a skeleton paperwork to postpone foreclosure and to get in the loan mod review payday loans over 6 months but I have been reading that lenders are still foreclosing even during a loan modification review. To clarify on my above post, I quick loans with bad credit had a loan modification done in 2015 and went through the 3 month trial modification successfully. Last year, when my income had dropped and started having difficulty making payments on time. They said they have been talking to my lender and they have been advised. Until I received a voicemail from someone local on January 14, 2019 asking if we want to sell fast loans bad credit our house because he saw an ad in the local paper about the foreclosure sale.

The law firm was not aware of that and I had high interest personal loans for bad credit to tell them.

They then submitted my loan mod app on January 17, 2019.

I then removed the law firm from my account and requested a refund. I received the refund but left with a foreclosure sale date. I filed Chapter 7 get loans with bad credit to postpone and so I can apply for a loan modification. The underwriter has my loan mod app now as of Feb 20, 2020. But I am very scared that the lender will still foreclose if and when they find out that my Chapter 7 has been dismissed due to failure to submit the required paperwork within 14 days. The idea is just to submit a skeleton paperwork to postpone foreclosure and to get in the loan mod review but I have been reading that lenders are still foreclosing even during a loan modification review. Those will at least buy you 58 days of time, in the state of NJ to work out a solution with your lender. They will help you fill out the form, and get it done correctly - you do not need a lawyer to do it. That will tell you where your home is in the auction process. Generally, even when your Bankruptcy is dismissed, you have at least two or three months, from the date of filing need loan bad credit as protection. In most cases, the servicer (who collects payments on your loan every month) will have to apply for a order to remove themselves from the stay. Only than, can they instruct the law firm, handling the case to reschedule the auction.

But, after the foreclosure auction, there is supposed to be a 10-Day Window of Redemption.

You may be able to file for bankruptcy protection during that time as well, and negotiate a loan mod or reinstatement. To answer your questions, yes, Occasionally lenders will do what is referred to as a Dual Track where they process a Foreclosure case, all while processing a modification.

New Federal Laws require Home Loan Servicers to actually process the modification request, and give you a formal approval or denial before they can sale the home. Ever back when you were represented by an attorney the notice is sent directly to you. Since I retained a law firm in October 2019 to help me with my loan mod, they said they have ceased all communications from the lender so they are the ones getting all correspondence.

To answer about the notice of sale, I received regular and certified mails about the foreclosure sale date roughly 2 weeks prior which I believe in my state is what they are only required to do. I just found out from someone local on Friday Jan 14, 2020, who left me a voicemail wanting to buy our house for his son.

I informed the law firm right away but could not get hold of anyone so I waited Monday for a reply. They called me and told me that they are submitting the loan mod on that day.

I lost trust and scared that things could get even worse with them so I removed them from the case and asked for a refund. I am now getting help from a friend, not a lawyer, but has been helping a lot of homeowners in the same situation for a while. So, I filed a pro se skeleton chapter 7 on Feb 05, 2020 which postponed the foreclosure. It took Fay Servicing until Feb 10, 2020 and daily calls from us for them to acknowledge the filing of bankruptcy and to update their system.

We submitted my 30 page loan modification application on Feb 16, 2020. On Feb 20, 2020, they have accepted and reviewed the loan mod app to be complete and forwarded the paperwork to the underwriting dept. This is what I am very concerned about: When we asked if our house is protected from foreclosure, one of the account managers (not the one assigned to my case), said she checked with her supervisor and told her that because of my previous loan modification (2015) and upon reviewing my paperwork that our house is on No Foreclosure Protection once the bankruptcy gets dismissed or discharged. We are not sure if that account manager is new because she had to check with her supervisor about the status of my case and had to place us on a long hold.