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Or, not pay for 2 months and then use that money to make a payment on month 3. But, I do not want to lose the Hamp any sooner than I have to because then, as I am waiting for it to be sold, I will be accruing arrears that will be same day payday loans online back at 6. The people at Citi said that after 2 months of missed payments I get a personal loan with bad credit will receive a letter talking about potential foreclosure and then the lawyers start getting involved.

My broker told me that since NY is a judicial state, he has seen 2 years pass with no payments before REAL foreclose takes place. Are you saying here that I could miss 2 months payments and if I make a payment on month 3, avoiding getting to 90 days, that I would not yet lose the Hamp? Also if I was late by 4-5 months for example, same day payday loans online and my apartment (a co op) was in contract with a closing date in 30-45 days, could they come in and take my home away at that point.

I also discharged my mortgage in a chapter 7 about 6 years ago. I just called them to see about special Programs for unemployed people. I can not pay two months and still be in compliance but would rather they stop payments for 6 months and put at the end of the loan.

Anyone, ever experience this type of unemployment programs? Plan to sell next year when my youngest graduates from college. I know this thread was almost a year ago but I am curious as to what happened after you were late? We have been on a MHA HAMP for over two years and occassionally go 60 days and then make a double house payment. They will send us letters that tell us our payment was late and is due, but we call and give them a friendly reminder that they are not allowed to demand payment.

As far as I understand the guidelines, which I keep a digital copy at all times, you lose good-standing only when you have not made three consecutive payments by the last day of the month that the 3rd payment was due. 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, tax advance loans or walk away legally from their underwater mortgages. Here is the Home Affordable Modification Program i need a loan fast with bad credit Hardship Affidavit that is required when applying with your servicer. Please download the form below and feel free to ask questions and share with other homeowners below.

We have many threads and articles on how to write a hardship letters on the links below.

My best advice is to be honest and try to keep it short and heart felt. 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. Please Read our anyone know what is the norm for putting your auto expenses as well as spending money for your monthly expenses when filling out this same day payday loans online BofA MHA affidavit?

Trying to determine what the appropriate number for spending money and auto expenses would be. Hi Moe, do you have the Vice President of B of A, her last name is Desoer - I think. First, it IS my first draft so going more for the human factor... I am concerned because we have some charged off debt in our credit report, from our failed business. They are going to see that anyway, so I thought it would be a good idea to take the tiger by the tail and address that in the letter. The immediate financial crisis is my spouse was laid off from her employment on June 10, 2011 (please see attached documents from NYS Dept of Labor and our bank, showing deposit of her unemployment benefits. We have been struggling financially since 2008, as evidenced by our struggles paying our second mortgage and the unpaid, charged off debt you will find in our credit report (although we have NEVER missed a payment on our first mortgage, which we hope you will find to be evidence of our good faith in the repayment of our home. I continue to work full time, where I have been employed for 17 years, and my wife has worked hard to keep some form of our business active while obtaining paid employment and we were beginning to get back on our feet when this new lay off happened. My wife is a medical social worker who will continue to seek gainful employment. In addition, she is enrolling in an RN program to add to her credentials, which will open up a far greater range of work opportunities as well as a much higher potential income. We anticipate she can complete this program in 4 semesters, part time, since she same day payday loans online already has a BA and all of the liberal arts requirements.

In the meantime, we she is discount cash advance aggressively seeking gainful employment as well.


I have bad credit and need a personal loan

Our young children require the stability of remaining in their community and in their school district, most especially our youngest child, who has disabilities who is very well loan companies for bad credit served in our district. We fear the long term impact of a change in community and school district on him. In truth, he only has 7 years left in the school district, at which time we could sell the home if necessary. We are NOT asking for a principal reduction of any kind, we desire to and plan to pay for our home (as well as our other existing debt). We just need the gift of time, to regroup, for my wife to better position herself for guaranteed payday loans bad credit the emerging job market and to make herself more employable and more valuable. 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.

Please Read our Privacy Policy and Legal Disclaimer 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.

I was in the modification process with Wells Fargo. We had 5 meetings in court mediation to try and finish my modification. I submitted all information they wanted with my lawyer. They sold my mortgage (note) whatever to an investment company that does not modify a week before my last mediation. They want me to get a new mortgage (yeah right) or get out. This seems like bad faith tactics on WF and I would think (depends on the judge) the court would frown upon what WF just pulled and possibly rule in your favor.

It really depends on how much you can spend on attorneys to file suit against 3 month payday loans direct lenders them.

To do this in the middle of negotiations is pretty shady to me. When they came to the table to mediate, they were supposed to be operating in good faith. Its obvious when you produced you financials and could prove you could qualify, they pulled the rug out from underneath you.


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Other than that I was told the modification looked fine.

NONE He said WF was so busy I should start the mod process over and resubmit all paper work. One week later I was notified that they sold the not.

Since then I have been getting the run around from the investor.

They tried selling the note already but to no success. We (my lawyer) requested mediation and some how got it into court. Does anyone know the specific agreements with TARP and what the banks are supposed to do? No one is holding the lenders accountable to follow requirements.

If you dont have a fannie or freddie loan, you lose some of the big stick to make them play according to the rules. You can go to Making Home Affordable site, as well as google TARP to find out more but same day payday loans online payday advances online your loan was sold out from underneath you while in the middle of mediation. Whether you can sue over it is a question for attorney.

This is a different issue but it may be addressed in the TARP guidelines somewhere. I really think you might have grounds to file suit against WF. My question would be was the loan owned by WF in the first place, or were they just the servicer? I assume they owned it otherwise they wouldnt be the ones in mediation or been able to sell it off to another investor. I also would call the mediator directly and address what just occurred and what they think should happen.

I think if I can find any info payday loans pa on the TARP outline or somewhere else then my attorney would be excited to go same day payday loans online after WF. The mediator said to me that mortgage companies are starting to sell some loans while there in mod. Also I just filed a complaint with the Federal Reserve Consumer Complaint regarding what WF did to me including manipulating my appraisal back in 2007 Too bad the mediator doesnt seem to care but nice that your attorney seems interested in going after WF. I suggest you file complaints with the OCC (Office of the Comptroller) whom have jurisdiction over national banks. If you were in negotiations with WF for a HAMP modification and led to believe this is what you were mediating, then TARP would also be a place to file a complaint and attach any court documents (ie: minute orders, mediator notes).