Personal loans for bad credit in pa

Must be sent at the proper address and the statute should be quoted in the letter. Failure to properly respond with the CORRECT and PROPER information would be yet another violation under RESPA. If it were me, I would do this immediately since contact has already been made. Or, again, locate a FDCPA attorney, focus on these violations, and go from there. There is no violation when you contact them and offer to settle. Whatever you do, be CALM and do not come across as a desperado. I suggest you honker down and use Google to research some of this stuff.

NEVER rely on one source for your answers and information. He did ask them to show evidence of personal loans for bad credit in pa the validity of the debt but does not mention the civil code. I wonder if the statute personal loans for bad credit in pa has to be quoted in the letter to make a claim for this violation? His letter basically says show us what you have or go record a certificate of discharge. I was told by several consumer credit attorneys on the phone that it sounded like RTR had violated several codes and that just 1 violation could mean that I owe nothing... Thank you for explaining so much and for the great advice. He did ask them to show evidence of the validity of the debt but does not mention the civil code. I wonder if the statute has to be quoted in the letter to make a claim for this violation?

His letter basically says show us what you have or go record a certificate of discharge. I was told by several consumer credit attorneys on the phone that it sounded like RTR had violated several codes and that just 1 violation could mean that I owe nothing... Thank you for explaining so much and for the great advice. Quoting a statute is just something par for the course when writing letters like that. Once we jump into the foray of foreclosures and sold out loans, etc.

Assuming they can prove ownership, the only violation that I can see that would mean you owe nothing is the SOL. I wonder what the other violations could be that might mean you owe nothing.

Most of these violations of statutes merely come with fines and penalties. I admit, however, I know nothing about violations of Cal Code.

But when attorneys say stuff like that, try to drag some detail out of them. Keep in mind that maybe RTR did not respond to your attorney because they know the debt is time-barred. So, they responded in a not very aggressive letter (no push back at all..


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They said RTR does not believe that is required to execute an assignment to collect on a DOT and furthermore the DOT is currently recorded in MERS therefore no assignment is necessary. I have read up on MERS and understand that part, but they also should have to show that assignment was done correctly, right?

They also sent me the same copies of my DOT and note that I got myself from BofA.... They are saying the Home Equity Credit Line Agreement and Disclosure Statement -is need a loan with bad credit the note.. Reading through your help topics, I understand the house is way above water. She has never missed a payment on her 1st mortgage but never paid anything for her 2nd mortgage. Her 2nd mortgage was created in 2008 and I believe was sold to RealTimeResolutions sometime in Oct 2016 based on the late fees.

Can anyone help me out on how I should attempt to settle with them? So, they responded in a not very aggressive letter (no push back at all.. They said RTR does not believe that is required to execute an assignment to collect on a DOT and furthermore the DOT is currently recorded in MERS therefore no assignment is necessary.

I have read up on MERS and understand that part, but they also should have to show that assignment was done correctly, right? They also sent me the same copies of my DOT and note that I got myself from BofA.... They are saying the Home Equity Credit Line Agreement and Disclosure Statement -is the note.. Research case law in your state regarding MERS, document originals, etc. What the courts allow in one state might be moot in another. Did you read the Code they referenced to see what it says? Reading through your help topics, I understand the house is way above water.

She has never missed a payment on her 1st mortgage but never paid anything for her 2nd mortgage. Her 2nd mortgage was created in 2008 and I believe was sold to RealTimeResolutions sometime in Oct 2016 based on the late fees. Can anyone help me out on how I should attempt to settle with them? If you have read through these posts, then you know how problematic it can be when a house has equity. But they made you an offer already, so clearly, they are prepared to do something.

You can imagine why they ask for that kind of information. You need to lowball to give them room to write back and counter. I have been following this thread, on and off for some time now.

Just recently, the account to a SOJL that has passed the SOL was transfered to Real Time Resolutions.


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However, in the letter I received from them, they state that the current creditor continues to be BOA. The second at the time (BOA) would not allow the house to sell unless I signed a promissory note.

After the short sale, I was completely underwater at the time, and followed the advise on this thread to ignore all collection efforts. My credit score took a huge hit, but just last year, all derogatory information was dropped and my score, as well as, my financials has since recovered somewhat. I am considering purchasing again but am a bit concerned due to this new agency. So I was wondering can this new servicing agent start adding fees and interest for non payment to the outstanding balance.

Would they be able to legally place a lien on or come after any future property I purchase?

Should I send a cease and desist letter or continue ignoring them. 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 have been following this thread, on and off for some time now.

Just recently, the account to a SOJL that has passed the SOL was transfered to Real personal loans for bad credit in pa Time Resolutions. However, in the letter I received from them, they state that the current creditor continues to be BOA. The second at the time (BOA) would not allow the house to sell unless I signed a promissory note. After the short sale, I was completely underwater at the time, and followed the advise on this thread to ignore all collection efforts. My personal loans san antonio credit score took a huge hit, but just last year, all derogatory information was dropped and my score, as well as, my christmas loan financials has since recovered somewhat. I am considering purchasing again but am a bit concerned due to this new agency.

So I was wondering can this new servicing agent start adding fees and interest for non payment to the outstanding balance. Would they be able to legally place a lien on or come after any future property I purchase? Should I send a cease and desist letter or continue ignoring them. Or did you subject yourself to a mortgage against the property? If it was only a personal, unsecured debt you signed and the SOL has passed, then it is over - period. If you signed a personal note to repay, loans for bad credit in ohio then satisfaction of the 2nd lien should have been part of the agreement.


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This is my first ever hearing of a lender doing this as part of a short sale.

Short sales need very specific agreements between the parties so all are clear on exactly what each party must do. Or did you subject yourself to a mortgage against the property? If it was only a personal, unsecured debt you signed and the SOL has passed, then it is over - period. If you signed a personal note to repay, then satisfaction of the 2nd lien should have been part of the agreement. This is my first ever hearing of a lender doing this as part of a short sale. Short sales need very specific agreements between the parties so all are clear on exactly what each party must do. I signed a promissory note to allow the short sale of the home. The SOL was up in 2015, and recently all information pertaining to those mortgages should have been removed from my credit personal loans for bad credit in pa report. I am now considering purchasing again within the next year, and want to know if they would be legally able to come after good payday loans online me at that time, with a lien on a future property? Should I send a cease and decist letter or just keep ignoring personal loan no credit check them? I signed a promissory note to allow the short sale of the home. The SOL was personal loans for bad credit in pa up in 2015, and recently all information pertaining to those mortgages should have been removed from my credit report. I am now considering purchasing again within the next year, and want to know if they would be legally able to come after me at that time, with a lien on a future property? Should I send a cease and decist letter or just keep ignoring them? As I was writing, I lost track of the fact that it was a short sale.

So there can be no liens remaining after the short sale. There would be nothing for you to much worry where can i get a loan with bad credit about. If a creditor could still get a lien against you, then the SOL would be completely meaningless. If the SOL has expired, If it were me, I would most assuredly ignore them.

It took 3 times for my lawyer to write and ask them to provide all information relating to my account!