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But I still get nervous, it has been over a yr since I have paid.

I get twinges of nervousness here and there though. I think they might be waiting until they get in the money. But if I go by what has been posted by TomEason in , it might be quite awhile before they would be in the money. But I still get nervous, it has been over a yr since I have paid. I too am getting nervous about getting in the money. I would like to know how many on the forum have been forclosed upon by a Chase second, when their first is current.

My plan is to wait several more months and try again. My plan is to wait several more months and try again. I have 2nd with Etrade and underwater by about 19k per Zillow. Still current on both 1st and 2nd, but need to settle second. Has anyone recently settled with Etrade or their partner bank CLC lately?

My plan is to wait several more months and try again. Yes the 2nd was charged cash advance com off a couple years ago plus discharged in our Chp7 where we did not reaffirm it. I felt I could achieve success in negotiating with these verbal sessions (about every 6 weeks) as I have life experience negotiating. I finally told them politely to stop calling me and if they wanted to revisit negotiations it had to be written only. Your Chap7 may protect you but without it, I know for sure that you essentially re-start the clock on the statute of limitations (SOL) which is 4 years in CA.

Meaning the SOL clock starts when your last payment is made, so any new payments re-start that clock.

SOL is the time limit creditor has to sue you to collect payment. Your Chap7 may protect you but without it, I know for sure that you essentially re-start the clock on the statute of limitations (SOL) which is 4 years in CA. Meaning the SOL clock starts when your last payment is made, installment loan no credit check so any new payments re-start that clock. SOL is the time limit creditor has to sue you to collect payment. I want to keep it, but I need to settle with Chase. Well, after much reading and combing through these forums, I figured I am going to start the strategy. I imagine that it will take a bit of time but I think it will be worth it in the end. I imagine that direct payday lenders no credit check I will stop paying on the second and wait about 6 or so months before I send a letter to Banco about being able to contact me payday loans in va for settlement purposes only , because of our chp 7 discharge. I will try to update any progress that has been made here. I want to thank everyone in these forums for the wealth of information that can be found here. No matter what my outcome will be, I will either post in the success section , or in the walk section, or foreclosure.. Since I will stop paying on the 2nd in January of 2014 , I might not post on here in awhile.... My one worry is about the no contact because of the chp 7 discharge, because they will not be able to contact me...

I too am getting nervous about getting in the money. I would like to know how many on the forum have been forclosed upon by a Chase second, when their first is current. I recall, some time ago, that gov programs (Harp, hamp, etc) were adjusted and that homeowner was allowed up to 20 or 25k in savings... I want to keep it, but I need to settle with Chase. So far,for me, there has been no attempt on their part to settle.

Every once and awhile I get a twinge of nervousness , but I just keep waiting personal loans no credit check monthly payments it out hoping to get some sort of dialogue to start negotiating a settlement.

Until then, I will just wait it out to see where this thing goes. 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. The key to a repayment plan is your budget and the backbone of the budget is what is reporting as monthly minimums from the as well as your net income above and beyond your monthly living expenses self reported personal loans no credit check monthly payments and normalized according to the allowable living expenses use this link to find the averages for your specific metropolitan statistical area for allowable self reported living expenses Get free mortgage help today. 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. NationStar sent me a letter confirming my loan mod and my mortgage forgiveness (it is in writing) I forwarded it to Michael at Loan Mod and he agrees it is good news. They will adjust personal loans no credit check monthly payments my principle balance each year to reflect what is stated in my loan mod.

I did it again this past week because I was suppose to have this resolve by Sept 24, but no one would call me personal loans rates back. Within 48 hours, the boss of the guy dealing with my issue called me and assured it would be resolved. I just want to say to everyone KEEP FIGHTING THE FIGHT! You have valuable resources here especially Michael, Cat, Evan and Tom - I can never thank you all enough! NationStar sent me a letter confirming my loan mod and my mortgage forgiveness (it is in writing) I forwarded it to Michael at Loan Mod and he agrees it is good news. They will adjust my principle balance each year to reflect what is stated in my loan mod. I did it again personal loans no credit check monthly payments this past week because I was suppose to have this resolve by Sept 24, but no one would call me back. Within 48 hours, the boss of the guy dealing with my issue called me and assured it would be resolved. I just want to say to everyone KEEP FIGHTING THE FIGHT! You have valuable resources here especially Michael, Cat, Evan and Tom - I can never thank you all enough!


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I am so glad that you were able to resolve the issue with the mortgage forgiveness! 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 magic installment loans the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer That is great news Cheryl!

I am so glad that you were able to resolve the issue with the mortgage forgiveness! We all appreciate the kind words very much, your hard work and diligence over the years was bound to pay off!! 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 payday loans florida 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 The comments by me and the materials available at this web site cash payday loans online 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.

We all appreciate the kind words very much, your hard work and diligence over the years was bound to pay off!! You got that right, BOA would never commit to anything in writing. I have done two loan mods coming here, one in 2008 with First Franklin and this one. I never got a Principle reduction, instead they cut my loan in half and lowered the interest rate to make it affordable, then in 40 years we owe the other half up front, well I may not be alive by then? My scenario fits the HAMP Tier 1 NPV calculator requirements. I understand it generates a very simplistic almost Go no-go output and the REST report is very comprehensive. My scenario fits the HAMP Tier 1 NPV calculator requirements.

I understand it generates a very simplistic almost personal loans no credit check monthly payments Go no-go output and the REST report is very comprehensive. If anyone has any issues or had a bad experience with MHA Help, please do contact me to see if I can possibly help.


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If you are running into issues, document who you spoke to, what they told you, the time and date of the call, and how long the call lasted and what issues you had, then contact me via email or call in to set an appointment to discuss, as we may be able to help you out at no cost and no obligation. 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. Eric Sandstrom would be able to go loans san antonio tx over your options with you.

Get a CreditKarma account and a few secured or unsecured credit cards.

Keep the credit utilization low, and work on your credit report. Eric Sandstrom would be able to go over your options with you. Get a CreditKarma account and a few secured or unsecured credit cards. Keep the credit utilization low, and work on your credit report. I was trying to decide if I would be able to refinance or would I be able to sell my current home and get a mortgage on another home. This is actually something that I specialize in and as a matter of fact we literally just closed on a home today where a borrower included a home in 5000 personal loan with bad credit bankruptcy. Sometimes I am extremely busy and not able to watch the forum on an hourly basis but you can reach myself direct here: If your bankruptcy is older than 4 years, you may qualify for a conventional home loan now. What are the chances that we could refinance and combine both discharged loans into 1 loan? 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. A fews wks ago I received a letter in the mail asking that I contact them. When I called they simply wanted to know when I will be making a personal loans no credit check monthly payments payment on the second. I told them I would like to discuss settling the loan and they transferred me to someone in the loss mitigation dept. Hence, I then received a remodification package safe loans online in the mail. Approx 2 wks later I received a notice advising I have 90 days (May 2015) to become current or they would possibly foreclose.

I immediately faxed them a letter authorizing them to contact me to discuss a settlement. Would I be an idiot to try to sell even a shortsale?

Its my conscience of trying to do the right thing and the thought of walking away and having my two kids go through it all. I modified my first mortgage 3 years ago but the second would not modify.