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McDowell bemoaned the seemingly constant telemarketing calls. He said the changes do not affect current requirements about informational calls or calls involving charities or political speech.

I am new to this and trying currently for a loan modification. However, I have excess credit card bills and want to quit paying on them. I wanted to know when you setlle with them are you suppose to pay them all the money at once or in the settlement you agree to pay over time?

Do you quit paying all of them at once or work one by one?

Who are the easiest to settle with the smaller cc or the larger. I have cc with the follwing: Amex, Cap 1, Chase, Wells, Discover several of the same company. I am new to this and trying currently for a loan modification. However, I have excess credit card bills and want to quit paying on them. I wanted to know when you setlle with them are you suppose to pay them all the money at once or in the settlement you agree to pay over time? Do you quit paying all of them at once or work one by one? Who are the easiest to settle with the smaller cc or the larger. I have cc with the follwing: Amex, Cap 1, Chase, Wells, Discover several of the same loan with bad credit company. We have been doing this, although not in the lasted 6 months due to trying to save our house too. Plus the lady that works with us to make deals is better then I could do it.

Anyways, what we did was stopped paying all our cc bills.

Then just kept track of who called and routed this information to her. When we had a cc company that would make use a deal then she would go in and try to get them lower. You can either pay them all at one time or pay over 3 months payments. Some of the larger accounts we have settle where the easier then some of the smaller accounts. One of my accounts which is the smallest seems to be the hardiest to settle. 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. My story sounds a little familar to others posted and would like your advice. I have a 1st with BofA for 704K and a 2nd with PNC for 150K. I stopped paying on both mortgages as BofA would not help us. In a written letter from BofA, they recommended I go delinquent if I wanted a HAMP. I did not qulify for the DOJ since my loan was owned by BofNY Melon.

This was extremely difficult as I have never been late with any bill for 40 years and had an outstanding credit rating. I stopped paying and received a very small mod on the 1st.

I have not heard anything from PNC for almost a year. No way will we be able to make our current 1st mortgage payment. Since I have not heard anything from PNC, should I just sit back and wait? Would there be any reason in your opinion to even try to negotiate a settlement with them since our home value is so underwater? What is your take on why I have not heard anything? It is going to be quite sometime (many years) before my home has any equity.

Also, are you aware of any additional programs out there that would help us loan apply online with this underwater mortgage?

Thanks in advance for all your advice and any help you can how long does it take to get a personal loan point me to. We would like to give you an update on our 2nd mortgage settlement strategy.

PNC sold our second to SEC last year and have been sending monthly statements which we have politely ignored. We just finished making our 3rd trial payment on our first mortgage with BofA and have yet received the new terms on our 1st mortgage loan.

We are also hoping that we will be included in the latest 16 billion dollar settelment from BofA. SEC recovery department called on Sat and we returned the call today. We reviewed the steps in the previous forum on strategy to settling the 2nd. The gentleman was not happy and wanted us to submit the offer in writing along with all financial documentation which we refused to provide. He stated that without the financials, they would not even entertain the offer.

He also said that SEC would not make any offers and that all offers would have to come from us but again they would not accept any offer without financial disclosures. Have their been any new updates short term loans compare on the strategy for settling the 2nd? Can I refinance easy loans for bad credit online to pay both loans and start fresh with only One loan, What can I Do to keep the property? 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.

With that in mind, I think sending such a letter is short term loans compare the lesser of two evils -- especially if done so early on in the process, as one is getting short term loans compare ready or just beginning to apply the strategy. I read you were trying to settle a second with BOA but I cant find any follow ups to this and wondering if you ever were able to settle or did they ever no credit check payday loans online direct lender threaten you with FC.


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I am about to embark on the same road with BOA and would appreciate hearing how you are doing with this. Next, it rings a couple of times and then rings direrectly through to my cell phone number. I wonder if there is a generic Google greeting that say the word Google at all, and just goes straight to voicemail?

If it says Google, of course the bank will call once and never call again. Is there a way to change the greeting that Google uses when someone places a call directly to the new Google number?

The minute they call this number, they are tipped off as to what I have just set up.

Next, it rings a couple of times and then rings direrectly through to my cell phone number. I wonder if there is a generic Google greeting that say the word Google at all, and just goes straight to voicemail? If it says Google, of course the bank will call once and never call again. Is there a way to change the greeting that Google uses when someone places a call directly to the new Google number?

The minute they call this number, they are tipped off as to what I have just set up.

The main thing I needed to do was record my own generic personal greeting as if I was a generic operator (in order to not tip anyone off that this was Google Voice). I also needed to enable do not disturb which makes it go straight to Google Voicemail, so I can monitor the calls from there.

My generic answer is: The subscriber you are trying to reach is not available. I am starting to receive the calls I ignore but this morning they blasted my cell phone 3 consecutive times.. I have gone onto my servicer sight and blocked the numbers. They can still reach me via my work phone instant loan lenders or email, which they have and still are.

I just figured by blocking them from my cell is just eliminating one source of their short term loans compare aggravating calls. Its just a matter of how long they are willing to wait. I hope things work out they way they say on this site. Its just a matter of how long they are willing to wait. We have been following your advice on settling on your 2nd loan for 27 days now. I got a call at work from some sort of code number I never saw today for the first time from her. This was my only safe place and I am not sure how she got this number.

I have a feeling she will be calling tomorrow and ect. This posture truly drives collections departments bananas. No matter how well scripted and how well trained, that collector is never able to use those skills. When collections departments and outfits eventually realize the futility of their efforts, they decide to stop calling.


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Whereas, when the debtor speaks with a collections agent, the relentless collection calls will continue. Because by responding the debtor is injecting energy into the process, thereby ensuring continued collection activity. Tell her you are unable to receive personal calls at work and request that she NEVER call this number again. If they are told this they must stop calling per the Worth reading the act and looking up to see if there are any state specific acts in your state.

California takes it one step further which is good for us living here. Hi Tom,We have been following your advice on settling on your 2nd loan for 27 days now. I got a call at work from some sort of code number I never saw today for the first time from her. This was my only safe place and I am not sure how she got this number. I have a feeling she will be calling tomorrow and ect. If collections again calls your school and you pick up the phone, I recommend you promptly terminate the call. If you ever mistakenly pick up the phone at home, again I recommend you terminate the call. Whatever you do, do not engage in any conversation and definitely answer no questions. I get calls all the time with districts asking for me by name re: students. If collections again calls your school and you pick up the phone, I recommend you promptly terminate the call.

If you ever mistakenly pick up the short term loans compare phone at home, again I recommend you terminate the call.

Whatever you do, do not engage in any conversation and definitely answer no questions. 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. Im in California) that I would be free from owing the debt. RTR did not do anything for the 4 yrs except send me letters (ironically none of them in 10 yrs have said Foreclosure...

They sent me letters until Oct 2017 and honestly, every time I got a letter I just ignored it and thought nothing of it.

Well, here we are in 2018 and I have equity in my home now and I was considering selling my house. Before I listed, my realtor pulled title and discovered 30 day loans that the 2nd is still on there under Countrywide. I called Countrywide and they sent me a Goodbye Letter stating that they transferred my 2nd to RTR in 2009 and that my account is closed with them (Countrywide).