Payday loans pennsylvania

I called Countrywide and they sent me a Goodbye Letter stating that they transferred my 2nd to RTR personal loans nj in 2009 and that my account is closed with them (Countrywide). I was very careful not to say anything that would re-start the clock and told them that my attorney would be contacting them.

My attorney then wrote them a strong letter basically telling them to show what they have that would give them assignment of my account. He said that we would be getting a quiet title if they did not show that they rightfully owned my account and acquired it legally. He sent them the letter about 2 weeks ago and we cheap loans compare have heard nothing. I would honestly rather just settle with them and get them to remove the lien so that I can list my house.

I know that I should not tell them that I want to sell my house because they will never settle with me and want the full amount. How do I come up with a settlement amount to offer them? I know they are going to look up my property and see that I have equity to pay them. I read your post with interest… although we are the other side of the country (NH), our situation has a number of similarities especially around the dates. Like you, we had a 2nd mortgage HEL from Countrywide (2004). I checked the County records (after reading your post) and there is a lien under Countrywide.

Anyway, thought it might help to know that we are transferred to their Loss Mitigation. We have payday loans pennsylvania some very dedicated members like you Shedend that are experiencing things very similar to our new members. Thank you, thank you thank you for sharing your experience and piggy backing onto this thread. Everything that you have mentioned in your post is what you should be doing to achieve your goal. I personally am not the best to chat about any legal action or quiet title info but there was something in your post that I thought I would answer.

The only variable that may be different in your case is that you have equity. Once the 2nd lien holder finds out that you may have equity it can be very difficult to get them to settle. When you adjust the data that Zillow has, it will change the Zestimate as they call it. All of payday loans pennsylvania our moderators, owners and staff here at LoanSafe are all located here or very close to San Diego. Anyone trying to sell, needs to keep that info to themself. Once the collector knows you want to sell, they have the upper hand. I filed bankruptcy but still have a lein with 2nd mortgage holder. Still waiting on them, but I was the last one to make an offer and they never responded. I read your post with interest… although we are the other side of the country (NH), our situation has a number of similarities especially around the dates.


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Like you, we had a 2nd mortgage HEL from Countrywide (2004).

I checked the County records (after reading your post) and there is a lien under Countrywide. Anyway, thought it might help to know that we are transferred to their Loss Mitigation.

We have some very dedicated members like you Shedend that are experiencing things very similar payday loans pennsylvania to our new members. Thank you, thank you thank you for sharing your experience and piggy backing onto this thread. Everything that you have mentioned in your post is what you should be doing to achieve your goal. I personally am not the best to chat about any legal action or quiet title info but there was something in your post that I thought I would answer. The only variable that may be different in your case is that you have equity. Once the 2nd lien holder finds out that you may have equity it can be very difficult to get them to settle. When you adjust the data that Zillow has, it will change the Zestimate as they call it. All of our moderators, owners and staff here at LoanSafe are all located here or very close to San Diego. My office is here in La Jolla, UTC area if you ever need anything or payday loans pennsylvania have any loan questions - let me know. 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.

First I would like to thank everyone on this site for helping us no teletrack payday loan companies through the rough times, without this forum I do not know what my family would have payday loans pennsylvania done. We were both had lost our jobs and were only to keep paying on our first which is now down to 10k we had stopped paying on the second (heloc)which with interest is now 102k,we are now 600 days past due and the bank (BOA) has said they have sent this for an EQUITY EVALUATION the house on Zillow value is 90k but really is 75k. They keep saying they want to modify but we want to settle. I recommend you get a current valuation, like a CMA from a RE agent who farms your neighborhood. Your patience will be required as this will likely be a long process. First off, I recommend you immediately stop paying on your 2nd (Guaranty Bank). Your patience will be required as this will likely be a long process. I received a bill from them last week showing the full amount of the loan is due in 2 weeks. Are they trying to foreclose but giving me a chance to pay before they do this? I am current on my 1st and was trying to follow the strategy for settling your 2nd. No detail explaining how they came up with the interest charge.

Current home prices are about 500,000 and my home is in need of unseen repairs so I am not underwater but not over for them to want to pay to foreclose. I am just concerned why after all this time they are sending me this with no detailed info and saying to bring this current I have to pay the full amount and in 2 weeks?

Is there any rhyme or reason to WFs decision to do this? No detail explaining how they came up with the interest charge. Current home prices get money now are about 500,000 and my home is in need of unseen repairs so I am not underwater but not over for them to want to pay to foreclose. I am just concerned why after all this time they are sending me this with no detailed info and saying to bring this current I have to pay the full amount and in 2 weeks?

Is there any rhyme or reason to WFs decision to do this? Walkinblues, this depends on your state and most states prohibit the lender from suing the borrower on a secured 2nd. 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 Privacy Policy and Legal Disclaimer Tom should I ignore this letter?

They want the full loan balance to make this loan current. I recommend you obtain a current valuation of your property. I recommend you obtain a current valuation of your property.

Every conceivable situation has been addressed at least once there. FYI all the posts remain available bad credit loan online to read payday loan no fax I recommend you use the search tool on that thread to find your answer.

I accidentally asnwered the call from the collections agency (Veripro Solutions - sister company of NationStar Mtg). Told them there is no way I can pay the 2nd mortgage balance in full (123K).

The guy told me to submit documents (pay stubs, bank statements) so we can work out a modification. Can 2nd loan still be modified if it has been charged off? They are also asking me some money (any amount) just to be able to make a payment. Your patience is required as this will likely be a long process. If so I suggest you forget about a loan mod of your 2nd a settlement is always a better deal for the borrower. Your patience is required as this will likely be a long process.


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Is it wise to tell them that I do not wish to modify and would just settle? The collections agency is now payday loans pennsylvania calling me every week.

Is it wise to tell them that I do not wish to modify and would just settle? The collections agency is now calling me every week. Yes, you can always continue to ignore their calls, they cannot force you to accept a modification offer or apply for other forms of assistance.. The comments by payday loans pennsylvania me and the materials available at this web site are for informational purposes only and not for the bad credit personal loans for 3000 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 agree with Tom, following the strategy is your best bet if you want to settle your 2nd for pennies on the dollar.

Yes, you can always continue to ignore their calls, they cannot force you to accept a modification offer or apply for other forms of assistance.. 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. My story sounds a little familar to others posted and would like your advice. I have a 1st with BofA for 704K and a 2nd with PNC for 150K.

I stopped paying on both mortgages as BofA would not help us. In a written letter from BofA, they recommended I go delinquent if I wanted a HAMP.

I did not qulify for the DOJ since my loan was owned by BofNY Melon. This was extremely difficult as I have never been late with any bill for 40 years and had an outstanding credit rating. I stopped paying and received a very small mod on the 1st. I have not heard anything from PNC for almost a year. No way will we be able to make our current 1st mortgage payment. Since I have not heard anything from PNC, should I just sit back and wait? Would there be any reason in your opinion to even try to negotiate a settlement with them since our home value is so underwater? What is your take on why I have not heard anything? It is going to be quite sometime (many years) before my home has any equity. Also, are you aware of any additional programs out there that would help us with this underwater mortgage?