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In the end I lost my home, but was fortunate to be able to find an apartment for myself, daughter and grandchildren to live. I certainly qualified for the lower interest rate, but they did nothing to lower it.

They have already been in the news several times before for the same thing and they still continue to do business. We need to ban together and close the doors to this despecable financial institution. Justice needs to be served here in a court of law and we need to be compensated for all the anguish this financial insitution has caused each and every one of us who has a loan through them.

If anyone reading this is thinking about getting a loan through this lender, I am pleading with you, begging you to look elsewhere. I went there and found a great deal of information. Indymac called me today and offered me a modification (after haggling with them since April). As they did that - they realized they made a mistake. Then they said due to correcting the mistake we now income qualified for a modification but it would take about two weeks to process...

I told him I woud email him everyday to check and make sure we were on track. And volia just like that in a matter of minutes I had a modification in my hands through email. I follwed up with an email documenting the terms we agreed to on the phone. First and foremost the most important thing to do when you are trying to get a modification is GET OUT of SHAME. When you get a modification agreement email it and everything you understand the agreement to be back to indymac and your state reps.

And, finally I am very, very concerned about the corrupt dealings of the banking industry that I have read about and that I have experienced. There is something very wrong with banks being so corrupt. My representatives are on it they are calling other reps to find out how pervasive this corruption is.

They have been quite appalled at what has gone on with me. I went there and found a great deal of information. Indymac called me today and offered me a modification (after haggling with them since April). As they did that - they realized they made a mistake. Then they said due to correcting the mistake we now income qualified for a modification but it would take about two weeks to process... I told him I woud email him everyday to check and make sure we were personal loans online approval on track. And volia just like that in a matter of minutes I had a modification in my hands through cash lenders email. I follwed up with an email documenting the terms we agreed to on the phone.

First and foremost the most important thing to do when you are trying to get a modification is GET OUT of SHAME. When you get a modification agreement email it and everything you understand the agreement to be back to indymac and your state reps. And, finally I am very, very concerned about the corrupt dealings of the banking industry that I have read about personal loans online approval and that I have experienced.


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There is something very wrong with banks being so corrupt. My representatives are on it they are calling other reps to find out how pervasive this corruption is. They have been quite appalled at what has gone personal loans online approval on with me. I assist homeowners in getting into these programs for no charge and i loans with low monthly usa fast cash payments have some difficult times more than often. If you are denied the HAMP does the lender need to tell you the reason why?

It would make sense that they do need to disclose the reason being since this is a Govt. Is there anty rule in the HAMP guidelines that i can cite to get the denial reasons disclosed? With it introduced and now more likely to pass than before with all the problems with HAMP this might yet be another tactic to pressure banks into mods even before it passes. And who knows how long that will take with a big fight expected from the Republicans trying to help the banks and their lobbyists. I do not like the 10-day pre notification to banks. That hurts the ability to stop a foreclosure sale on short notice. Often sales are stopped by the Stay even minutes before a sale. I totally agree with the notion of a big stick - to get lenders to work with borrowers.... I will ask my representatives to support this new effort. Important to note here is there is a difference between lender vs servicer. They told me I do not qualify for HAMP because my Investor does not participate. 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. They would only take payments if I agreed to pay all late fees and other fees.

Payment was not in our budget but we agreed to it due to it being the only option. We were doing fine until my husband lost his overtime pay. I send all information they ask for and now they are asking for him to sign a co-borrower form. Loan Care is very hard to talk to and not giving me any information. Honestly at this point if we could walk away we probably would. Go to your county register of deeds and see who has the lien on the property. Sounds like Loan Care may just be the servicer of the loan, not the lien holder. That was 8 years ago and banks can sell and transfer mortgages, so it may be with someone else by now. If not, you may want to consider Chapter 7 bankruptcy.

It will at least temporarily stop the foreclosure process and also allow you to walk away if needed.

The home needs some minor repairs so I would probably break even if I tried to sell the home. In a town with a population of around 3,000, we have 29 homes payday loans portland or for sale and some have been on the market for a while. Go to your county register of deeds and see who has the lien on the property.


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Sounds like Loan Care may just be the servicer of the loan, not the lien personal loans georgia holder. That was 8 years ago and banks can sell and transfer mortgages, so it may be with someone else by now.

If not, you may want to consider Chapter 7 bankruptcy. It will at least temporarily stop the foreclosure process and also allow you to walk away if needed. If you do decide to walk away, you must file chapter 7 bankruptcy. If you simply dont pay and leave, the bank can and probably will come after you for the balance of your mortgage. Chapter 7 takes away the debt and you are not legally liable for the debt and the house goes to the bank. If you do decide to walk away, you must file chapter 7 bankruptcy. If you simply dont pay and leave, the bank can and probably will come after you for the balance of your mortgage. Chapter 7 takes away the debt and you are not legally liable for the debt and the house goes to the bank. According to Arkansas foreclosure laws, they only have 12 months to sue me. According to Arkansas foreclosure laws, they only have 12 months to sue me. And save as much Federal Reserve fiat notes as possible. Why ever leave one day before they fraudclosed on you???

And save as much Federal Reserve fiat notes as possible.

Why ever louisiana payday loans leave one day before they fraudclosed on you??? Or, what if someone has medical issues and needs more assistance than they would receive when the police come knocking to remove you? Leaving the home is not the same as giving up the fight.

There are many reasons why leaving on your own terms, at the time of your choosing, is not direct payday loan lenders bad credit a bad idea. There are also plenty of cases where the homeowner chose to leave to avoid being forcibly evicted, and continued the fight in the courts.

When your fight is in court, you gain nothing by standing strong in front of police officers who have no dog in the fight and are just doing what they were told to do. But you need to learn that the process of fighting them looks different to each of us. Or, what if someone has medical issues and needs more assistance than they would receive when the police come knocking to remove you? Leaving the home is not the same as giving up the fight. There are many reasons why leaving on your own terms, at the time of your choosing, is not a bad idea. There are also plenty of cases where the homeowner chose to leave to avoid being forcibly evicted, and continued the fight in the courts.

When your fight is in court, you gain nothing by standing strong in front of police officers who have no dog in the fight and are just doing what they were told to do. But you need to learn that the process of fighting them looks different to each of us. Yes we have our own reasons for choosing to leave our home.


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We live in a tiny town where everyone knows everyone. My husband works with the same sheriff and deputies that would have to throw us out.

Recommending saving as much money as possible and Using the corrupt system against itself, is good advice.

Recommending saving as much money as possible and Using the corrupt system against itself, is good advice. Each of us has to weigh our options and choose what we feel is best for our family. You can disagree until the cows come home, but personal loans online approval that does not change anything. YOU are not impacted by how I choose to fight my fight. Also, using the system against itself does not require you to stay in the home for as long as possible. Case in point, did you ever consider the fact that if they force a homeowner to leave the home, and are later found to be in the wrong, that the damages are now much greater? If you leave under threat of forceful eviction checking account advance by police, and you later prove them wrong on appeal, for example, now your claim for damages goes UP.

Then, all the extra expenses you incurred because of their fraud---the cost of moving... I think overall, their case probably turned out better than your own, perhaps? If you do stay, all they need to do is get the eviction, which takes very little effort at that point, and the police do the rest.

By the way, using the system against itself is not stay until they force you to physically vacate the property..... Just ask Florida residents, whose Supreme Court has turned the definition of statute of limitations completely on its ear to avoid the free house syndrome. And meanwhile, even with the personal loans online approval fight still continuing, a family still has to LIVE... Children still have to go to school, and have a place to sleep at night. Using the system against itself means that you give the fraudsters enough rope that they hang themselves in a legal sense. These clowns are on the record as admitting to the court, at hearing and in written motions, that an account number only changes when the loan ownership or servicing changes hands. You present case law examples---lots of them, from the correct appeals court and even the state supreme court--showing that the trial court not only is required to follow those other rulings, but also that those other rulings show that the court CANNOT grant my opponent a judgment under the current circumstances. The trial court chose to do so anyway and ignored everything I said.

Here, the state supreme court WILL and DOES take on the cases where the courts contradict themselves, so that the clear path can be established.