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You can stay in the home and save some money then when the time comes you can get some money out of the deal. 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. 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. These are some of the questions that we would need to know in order to see if there is a way to keep the house.

If you need some help i can send you some tools that we use here at the law office. 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. 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. If the answer is no to both of them then what the he!! Hello, I need a strong advice regarding if i should proceed with my short sale or consider Deed in Lieu foreclosure. Our short sale was approved Nov 30th and we have til the 5th of December to sign the confirmation or otherwise it will be rescinded. One of the condition states that social loans we must acknowledge that Indymac retains all deficiency rights.

My realtor asked the negotiator to waive the banks deficiency rights same day loans bad credit but we have not heard anything from the bank, I consulter an attorney and he said that the deficiency can be negotiated even after the short sale.

SOMEONE HELP ME TO MAKE THE RIght DECISION Hello, I need a strong advice regarding if i should proceed with my short sale or consider Deed indian payday loans online in Lieu foreclosure. Our short sale was approved Nov 30th and we have til the 5th of December to sign the confirmation or otherwise it will be rescinded. One of the condition states that we must acknowledge that Indymac retains all deficiency rights. My realtor , I consulter an attorney and he said that the deficiency can be negotiated even after the short sale. SOMEONE HELP ME TO MAKE THE RIght DECISION I highly doubt that you will get the bank to put anything in writing about the deficiency judgement. You can file for personal loans no credit history bankruptcy AFTER if they do sue you. Why if the bank agreed to a Short Sale do you not want to go that route? 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.

So our GMAC second mortgage was sold to 21st Mortgage Corp, a Knoxville based company.


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We have had no contact with them, and have since moved from Florida to Texas. We were able to get a mod on our first mortgage with is so helpful so we are just waiting to see what will happen with the second. I did a search and could only find one thread same day loans bad credit from 2010. A Google search simply told me that they are absolute hell to deal with if doing a short sale. This forum has been an absolute sanity saver the past two years. Per the strategy I recommend you not communicate with them until, and if, they make you an offer. We are in the process right now with 21st, as well. They bought a bunch of GMAC loans, though, via the bankruptcy.

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. It really stinks, because the last letter we received from GMAC was an offer to settle for 33k. Still, nothing more than the robo-calls from their collections department. I have found not a singe thread about 21st Mortgage settling on a secondary mortgage. He wrote an amazing article that has went viral about it, here it is: 21st purchased my GMAC loan.

Does the debt disappear, but they still hold the lien? Is there a certain point I should end up reaching out to them, which would go against the strategy - but might make sense after an extended period of time. Looking for any and all guidance with this servicer. I do not think we have any stories of a 21st 2nd mortgage holder attempting to settle. They may foreclose, settle or charge off the loan and write it off as a loss. Yes, my understanding is they have 7 years to collect if they went that route. It is hard to say what 21st will do or their method of operation since we have not had any other stories bad credit personal loans florida to reference. That is up to you, but more people have success by not contacting them.

It is a psychological tactic that works well and many homeowners here on LoanSafe have proved this. The comments by me and the materials available at this web site are for informational purposes only and not for the same day loans bad credit 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.


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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.

Please Read our Well, my plan is to submit an offer to settle letter to online payday loan direct lenders only 21st on the 1 year anniversary of our last payment submitted to them (next month). I realize this is contrary to The Strategy, but it might help us get a handle on where 21st is with regards to settling these GMAC loans. 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 bad credit loans michigan good loans for bad credit 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. Please Read our Getting ready to mail the offer to settle letter.

Anyone have any templates of something like that they would recommend? The daily calls from 21st were getting annoying, so I blocked their number on my cell.

We live in Texas now and are renting out our Florida house. Our property values in our old neighborhood are still terrible and we are easily 50K underwater on our first mortgage). Still no communication from 21st, but something interesting did happen. They (21st) pulled my credit at the beginning of this month. 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. Valuation issues: Online estimates says about 415K, jumped up 20K in the past month. House needs foundation repair, new roof, mold remediation, and numerous other repairs just to be a small 1960s rancher with no updates. The house will most likely go into foreclosure or short sale and would be bought by an investor who would tear it down, split the property into two lots, build two houses, just like every other older property in my neighborhood. Equity loan was discharged and passed time limit to take any action, but they still hold a lien on the property. Ex refinanced to include his debt (motorcycle and credit) shortly after. I was able to pay the 1st mortgage until about 2015. I tried a business but failed and have been unable to find work. It is possible, with my new income, to do a loan modification on the 1st mortgage but I would need the lien released first.

Wells Fargo was about to foreclose but the loan is in COVID forbearance for up to a year so I have about that long for a settlement. It would be like buying a 370K lot in an area where you can get waterfront for that. Valuation issues: Online estimates says about 415K, jumped up 20K in the past month.

House needs foundation repair, new roof, mold remediation, and numerous other repairs just to be a small 1960s rancher with no updates. The house will most likely go into foreclosure or short sale and would be private personal loans bought by an investor who would tear it down, split the property into two lots, build two houses, just like every other older property in my neighborhood. Equity loan was discharged and passed time limit to take any action, but they still hold a lien on the property. Ex refinanced to include his debt (motorcycle and credit) shortly after. I was able to pay the 1st mortgage until about 2015.

I tried a business but failed and have been unable to find work. It is possible, with my new income, to do a loan modification on the 1st mortgage but I would need the lien released first. Wells Fargo was about to foreclose but the loan is in COVID forbearance for up to a year so I have about that long for a settlement. It would be like buying a 370K lot in an area where you can get waterfront for that. Were both the first and second mortgage included in the bankruptcy and discharged? If they were, you are under no legal obligation for the debt. Count your blessings for living rent same day loans bad credit free for five years and use the money you should have saved during that time to purchase another house.

Were both the first and second mortgage included in the bankruptcy and discharged?

If they were, you are under no legal obligation for the debt. Count your blessings for living rent real loans for people with bad credit free for five years and use the money you should have saved during that time to purchase another house. The 1st mortgage company sent a letter last month saying I needed to make a 170K payment or same day loans bad credit they would start foreclosure. The house also has a basement apartment that can be used for income if needed - I used to run a childcare or I could use it as a rental. Rentals in this area are higher than the 1st mortgage. So if I could modify the loan, get help fixing things, reopen the day care or rent the room, I could get back on my feet and could be with my kids.