Secured and unsecured 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 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. They placed me back into foreclosure the day after they confirmed receiving my notarized HAMP mod docs. You can post here, but it is always best to start your own thread.

Try contacting the Consumer Financial Protection Bureau, and a non-profit housing counselor to possibly help. 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. 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. Is it easier to call them on the phone or via email? The comments by me and the materials secured and unsecured loans 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 This is absolute BS! I have called the recovery department 6 times in the last week I keep getting the run around.

I ask for the person I spoke with last time and they are always busy.

I got a email back within 24 hours from Dustin Parry saying he works with Mr. I called the ERU phone number and asked for Dustin.

I called back to ask for Dustin and of course I got the run around again. Just FYI, I emailed my contacts at best personal loans CitiMortgage to see if any of these policies have changed or why this is happening. This email and numbers were specifically set up to assist LoanSafe members in an expedient fashion. Based on your feedback, that is not happening so let me see what I can do.

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. Yes, it was charged off in 2009 after 6 months of trying to work with them. In 2011 I received a cash now no credit check 1099C for the entire loan amount which I claimed on my 2011 taxes. Citimortgage never contacted me after the charge off. The only reason I called them was to get them to release the lien. But they keep giving me the run around asking for a settlement offer and all my financial info.

But when I call back they are not available and I start all over with someone else. You are most welcome OCFF and I understand the frustration.

This is one of the reasons why I started LoanSafe was for people like you to vent these issues so you can get it off your chest and also find solutions. In regards to your old mortgage, most staff are lower level employees that probably do not know how to handle calls where the loan was already discharged.

I suspect we just need an answer one way or another from someone higher up who can answer such questions. Just so you know, I emailed them already and hopefully I can get an answer for you soon. 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 What do you know, yesterday morning I received an email from Brittany in the ERU. After further research she magically found my account. A couple hours later I received a phone call from the agent.

I assume they tracked you down based on my email and internal communications via the contacts you already made there. What I have found over the years is that various departments do not have access sometimes to pertinent information or there is a disconnect from one department to the next. My thoughts are that the whole mortgage industry needs a document and tracking overhaul. What is in place now has many holes and disconnects that could easily be fixed with good software that is an all in one program.


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In any event, at least you have acknowledgement and movement on your file. 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. I was told that my account was handed over to a research team to investigate my account. I received 3 letters, yes 3 in the same day, all saying the exact same thing. Thanking me for pointing out a discrepancy and that they were working on a resolution. Over the next 2 weeks I called my ERS several times to check the status. Every time I was told that they were investigating. I secured and unsecured loans was told that my ERS was no longer in the unit and that she was my new ERS handling my account. I told her about the charge off and the 1099C and wanting a reconveyance on my account. She asked me to fax her a copy of the 1099C short term loans no brokers because it was in their system. I am convinced that the ERU is nothing but another layer of incompetent agents who have no decision making capability. They just stall and stall and give you the run around until you give in or give up. I am afraid my only option at this point is to retain an attorney. But even though they charged it off, they do not have to release the lien.

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 So even after secured and unsecured loans they file a 1099C, take a Capitol loss and receive a tax break for the entire amount of the loan, and I have to claim that same amount as income and therefore incur a tax consequence, they do not secured and unsecured loans have to release the lien? Correct because a bankruptcy releases personal liability only from the discharged debt, but they still hold an interest in the property via their original lien. They are under no legal obligation to release the lien.

The only way to get it removed is to ask, or to file a motion to avoid the lien in which you will ask the courts to formally remove the lien on the property.

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 get loan 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. A lien means they still have rights against property.

The discharged debt is only against you personally. Maybe this is just a way to make you pay one way or another.

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 best fast cash loans 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 kind of depends on the bank and whatever they want to do. They do it because they receive a dollar for dollar benefit from the government. CitiMortgage held the 2nd on my home and was subsequently crammed down to a non-secured creditor. Fast forward to 2012- I applied for a modification for the 2nd and much to my surprise the loan was extinguished. I was still in my bankruptcy at the time so I assumed that Citi would withdraw their claim. And subsequently, cashed a payment from the trustee that they were not entitled to. Beware of CitiMortgage, one hand does not know or care to inquire what the other hand is doing. Hamp will not intercede nor will the Trustee who is supposed to ensure that legitimate creditors are paid. My biggest nightmare is that I will be sued despite having solid evidence that the second was forgiven. And lastly, what ethical business cashes a check when there is no balance. This company has caused me so much grief -representatives lie and are down right nasty! Update: After several attempts to request a full reconveyance for my 2nd mortgage I decided to retain a real property attorney.

It is not cheap so I would suggest this unless you have no other choice.

However, in my situation I had no other choice since Citibank is impossible to deal with. They lie, cheat, steal and then try to make you feel responsible.