Regions loans

This is extremely helpful information, but i hope these numbers actually lead us to the concerned people, who could help solve our problems. Just evil greedy money and property mongers, who have taken over this country. This is extremely helpful information, but i hope these numbers actually lead us to the concerned people, who could help solve our problems. 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, fast bad credit personal loans online cash lenders forbearance, or walk away legally from their underwater mortgages. Is there an easy way to find out who is the current second mortgage lienholder on my property? Some will have this info available online, but most offer free search at the county building. Not sure if your town tax dept is your register of deeds or not. In very rare circumstances, people have had liens removed and not be notified.

Usually any activity on your deed will at least get you a letter stating what happened.

You could also pay to have a title search done on your property. This is what happens when you apply for a mortgage-the bank wants to make sure you have a clear title to the property. If you havent filed bankruptcy, the chance of the lien being removed is almost zero. After bankruptcy, the lien holder knows they dont have any recourse except to take the property back through the lien.

They wont do that, especially with a second mortgage, and get stuck with a regions loans property that has to have the first mortgage paid off in order to take possession. 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. Tom would you know if it makes any difference to your credit score if you have more than one FC or DIL? Many of us had to walk away from more than one investments. Tom would you know if it makes any difference to your credit score if you have more than one FC or DIL? Many of us had to walk away from more than one investments. I might recommend you conduct some research on the net and visit some dedicated credit forums.

You might also download cash advance fort wayne and read the FCRA, which governs credit reporting. If I find anything out that may be useful to some of us in this situation, I will log it back here for others to use as reference.

Just pulled my scores and they are 750, 770 and 770. Also, we received a 1099A on our foreclosure, the auction bid was listed as the FMV of the home and we had no tax consequences.

Just got back from Florida, vacation would have been out of the question before. I am not sure if my credit is done being hit yet from my pending foreclosure (overdue regions loans last Sept 15...

However, at this point my credit score is still a bit over 650 (was likely mid-high 700s before). Does anyone know when the credit hits related to foreclosure stop?

Mine dropped at 3 months late, then went down more when the foreclosure actually showed as repossession and was finished, bounced back up to almost 700 when the debt of the foreclosure dropped off my credit report and then dropped back to mid 600s when the second charged off in March. Mine dropped at 3 months late, then went down more when the foreclosure actually showed as repossession and was finished, bounced back up to almost 700 when the debt of the foreclosure dropped off my credit report and then dropped back to mid 600s when the second charged 1000 dollar loan off in March. I was flipping out - never had a late payment before etc... Six weeks later, got a letter from PNC that they bought the mortgage and that I needed to pay up.

By that time, I had no buyer and my realtor basically walked away. At that point, I was 6 months delinquent on the mortgage. I almost gave up - it was the holidays, cold (midwest freeze) and no one was out looking - much less at crappy condo conversions and one day I decided to pull into this Realty company on my way home and asked if they had anyone that would be interested in helping me or work with my situation. There happened to be on guy there late and he was really interested. Three months later I was closed and the hell was over. TU and EXP have it as settled for less than paid real estate loans - which is what we expected but Equifax has it as an installment loan chargeoff.

And strangely enough my house just disappeared from my credit totally about 7 months ago, not showing any delinquency for the house at all, loans without credit checks never did show late.... Late payments, or lack of payments never showed up on my credit.. And included my house but later did a Hamp, but then foreclosed totally.. What is the credit impact of mortgage deliquency and of settling a second mortgage? I had excellent credit and it already dropped to good after my first 30 day late payment on my second mortgage.


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I am assuming it will take another hit after 60 days and that this will continue or will it level out at some point?

I have no other credit issues just the mortgage problem. Also, if I do settle the second mortgage what impact will that have on my credit? Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either payday loan usa save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally regions loans from their underwater mortgages. Recently, courts in both Florida and NJ decided they would make up new state SOL statutes that govern foreclosure to insure the lender can win. The usual modus operandi in our dishonest courts with crooked, incompetent judges. Both courts decided that a dismissal of the case would result in an automatic deceleration of the loan because once the case is dismissed, it would place the parties back to where they were before the complaint was ever filed. This paragraph gives only 3 options for deceleration. For anyone who is unaware of this, wow, what a difference a payment or an agreement could make.

If you read your complaint, there should be an Acceleration section where it says something like: Take note of the past tense The lender has already accelerated the loan. A lender can conceivably accelerate and never foreclose. But in order to foreclose, the loan had to be accelerated, so we know the date of acceleration was at least one day before the filing of the complaint. Keep bad credit loans guaranteed approval direct lenders this in mind if you reach the SOL or are close to getting there. The courts just make up shit for the bank, so we need to check everything and everywhere to see if there is anything out there that contradicts their nonsense rulings.

Lender argues that regions loans the first dismissal cannot be interpreted as vacating the judgment on the note and for foreclosure that the trial court had previously issued in that case. Alternatively, lender contends that its notice of default in the initial foreclosure action was sufficient to satisfy its notice obligation in connection with its second foreclosure action. Lender argues that the first dismissal cannot be interpreted as vacating the judgment on the note and for foreclosure that the trial court had previously issued in that case. Alternatively, lender contends that its notice of default in the initial foreclosure action was sufficient to satisfy its notice obligation in connection with its second foreclosure action.


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Another story for another time - 2nd year associate was left to negotiate my case. Nadia, one of the partners at ARK, tells me during our initial call that they are experienced with my lender. This did not come across at all these last 90 days. The first thing that stood out was the date of last payment reported to the credit bureaus: I sent an email to ARK Legal on Sunday about my SOL discovery and asked if sale could be stopped due to SOL. ARK had no sense of urgency nor seemed to understand the implications of this. Their response to me was to file the BK and deal with the SOL on the other side.

Today, the day before the sale, my attorney advises me that Franklin is willing to postpone if I sign and pay the down payment of repayment plan today.

I had not had the renegotiated repayment plan for 24 hours. I had to file BK today merely because of my second mortgage. Arizona has a six year statute of limitation to collect on a contract (presumably that applies to deeds of trust or mortgages). In a perfect world, I would like to file perhaps a TRO-to stop the sale-and determine if the SOL has run. I need to find an AZ foreclosure attorney with some knowledge about bankruptcy and SOL, and a set of balls to take on Franklin slime. I experienced this today and it was an awful feeling.

The most likely problem with your SOL theory is that the SOL has not run as it relates to the actual loan.

Your loan, unless the lender accelerated it more than 6 years ago (and long before it issued the Notice of Trustee Sale), is most likely not fully due and payable until its maturity date which may or may not be sometime in the future. Your failure to make a monthly payment simply means you are delinquent in those particular contractually due regions loans payments and the SOL may run on each individual payment. The most likely problem with your SOL theory is that the SOL has not run as it relates to the actual loan. Your loan, unless the lender accelerated it more than 6 years ago (and long before it issued the Notice of Trustee Sale), is most likely not fully due and payable until its maturity date which may payday loan center or may not be sometime in the future. Your failure to make a monthly payment simply means you are delinquent in those particular contractually due payments and the SOL may run on each individual payment.