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I want to go into the HAMP fight with as much ammunition as possible and, hopefully, get this over with once and for all.
My plan is to apply for the HAMP modification on the 23rd of May.
All I need now is my REST Report which I will submit with the application. With the initial go ahead , he turned me over to Levi for the 3-way call to GMAC.
Levi was a bulldog in obtaining the information payday loans in portland oregon needed. The representative was having some difficulty bringing up the information so Levi had to tell online payday advances him how to do it. We were on hold quite a bit but ended up with everything that was needed.
After giving the ususal identifying information and granting permission for Levi to speak on my behalf, Levi took charge and I was just along for the ride. At that point, I was confident this company knows what they are personal loans direct lenders doing. I then was turned back over to Charlie where he reviewed the information obtained from GMAC and he directed me on how to order and pay for the report. I then received a call from Erika who made an appointment with me for the next day to work on the budget that will be submitted to GMAC with the HAMP application. She was very professional and patient as we worked through it. I needed to check on a few items in my budget so she offered to call me back later in the day to finish it up. Once the budget was completed and the numbers lined up, she said she had to wait for my credit card payment personal loans direct lenders to clear PayPal and then she would order the report. She said it would take 24-48 hours after the payment cleared and she ordered the report for me to receive it. I just spoke to LEVI tonight, am doing the report on wed, already denied HAMP, and impossible re paymet plan, Things are tight right now, and it will cost money, But not as near as the money as we paid an attorney to do, that took over two and half years, then to be denied. I contacted my attorney, for a copy of the hardship letter she wrote?? I said no thanks, and hope to god they dont, because I will be talking with Levi soon. I found this forum in 2009, and I really wish I would have found it sooner! Many on this forum suggest we should not contact our Servicer before submitting the HAMP application.
However, the REST report suggests we obtain the Investor contact information from our Servicer and submit the REST report to them simultainously. If the Investor is discovered through the 3-way call, is there a way to obtain the contact info without calling the Servicer? Is there only one address for Wells personal loans direct lenders Fargo or can there be several? And, is there a list of addresses for major Investors?
I may call the Wells Fargo number also to confirm this is the best address for review of my investor file. By their actions and repeated negative patterns, as they appear to want to wear you down and hopefully you give up and just walk away from your treasured home. I got really nowhere as I was verbally approved and then denied each time for excessive forbearance and potential minimal equity issues. On a few occasions I was even told my hardship of losing my spouse to cancer was not legitimate enough to qualify as a true hardship. I have been considering foreclosure because I can control the timeline a little better.
I know it is an expense but it is a very informative and lengthy report - I bit the bullet and charged it! I figured the saving from my mortgage payments - I can pay it off!
I know it is an expense but it is a very informative and lengthy report - I bit the bullet and charged it!
I figured the saving from my mortgage payments - I can pay it off! My husband was not working due to a neck surgery for almost 2 years, this was from Sept 2007 to Sept 2008, he worked until Jan 2009 and lost feeling in his right leg and was unable to work until May 2009.
This is close to a 2 year reduction of income from drawing sick benefits. We received a modification in June of 2010, sent in the mod papers notorized to BOA started making payments then in May 2011 we received an email stating our mod was cancelled due to non compliance from no court approval, we were in a chapter 13 at the time it is now discharged, We have also as of late missed some payments due to medical and dental bills due to my wife having rheumatoid arthritis and I had a major car repair. When we signed the papers BOA never told myself or my attorney we needed payday loans sioux falls court approval.
I have been trying to work with naca to get this modified again and have been turned down twice.
I am just getting the run around everytime I call I speak to a personal loans direct lenders different person every time and get told a new story with each phone call.
How to get a 5000 loan with bad credit
If Levi or Charlie is reading this do you think the rest report would help me at all so I can keep my home.
It may be best to contact them directly so they can go over the figures and contact BofA if necessary with you on the line.
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. That could be awhile but is less stressful than worrying about it. You can get free boxes at your local grocery store. BofA is one of the worst banks for helping anyone with any mortgage reduction, personal loans direct lenders short high interest loans sale or deed in lieu. If you have only one mortgage, try the deed in lieu. Better to lose the house than your husband, your health or your life (heart attack! I tried a loan mod in the beginning and even had an attorney. I am still trying a Deed in Lieu, which supposedly takes 2 to 4 months. The first, by the way, was for the entire 2 loans, minus the penalty of 6,000. They were so greedy they wanted to penalize me for selling which used to be legal in Wash State!
Everyone I know who has tried a loan mod, did get their lower monthly payments. Even though my credit has been affected, I pay off my credit card each month and all other bills (utility).
They have been signed sealed and delivered back to BofA.. By their actions and repeated negative patterns, as they appear to want to wear you down and hopefully you give up and just walk away from your treasured home. I got really nowhere as I was verbally approved and then denied each time for excessive forbearance and potential minimal equity issues. On a few occasions I was even told my hardship of losing my spouse to cancer was not legitimate enough to qualify as a true hardship.
I have just been approved for trial payments starting June 1 and I firmly believe the Rest Report was a major factor and of course, the help of Charlie Rose and Michael - This looks like a great opportunity. I had no idea what that was and I was surprised to hear from BoA since they never returned any of my phone calls until now.
I have a lawyer who has been defendingme in court because the foreclosure has been going on since July of 2012. I have a summary jugement hearing next Tuesday, Ja.
I have paid for a securitization audit, my lawyer and now excessive court costs.
If I could be atrial member of the RETS report I would be very greatful, as would my family! If there is any required documents pleaselet me know and I can furnish them. Thanks a lot in advance for your consideration in letting me in on the trial! Since 2007, the LoanSafe forums have helped millions of homeowners over the personal loans direct lenders last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Job loss occurred one month after the birth of a child. We knew our time was up so we made plans to move, but we continued to stay in the house struggling to just pay the power bill. For the next year, we rushed to the front window every time we heard a car with the expectation we were about to be evicted.
Over the next 6 years, quick pay day loan need a personal loan BofA took over the loan and started sending us statements as if nothing happened. Most of the cash loan now notices concerned property taxes (escrowed) and lender placed insurance. Doing well back in the military, credit is completely recovered. It is still vacant, but Safeguard Properties apparently changed locks, boarded up two windows and placed a de-humidifier in the house.