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To use them, and squeeze every last bit of life out of them, then when they are at the end of the line, cast them aside. First time I got a generic denial letter stating missing docs. I had to call to find out what they were asking for. Turned out I had a lien (in 15 months no one at EMC ever brought to my attention), they wanted a letter of satisfaction. This time it says failed to sucessfully complete trial mod period. Again I had to call to find out the meaning in the generic letter. I was told my wifes pay stubs were unnaceptable as income proof. I submit copies of cancelled checks going back 3 months as well as a letter from her employer. Yesterday i got a phone call from EMC stating my mod was denied again.

This time they say the dollar amount they would have to put to the back end of the loan is unnaceptable and they wont do it. This has been a brutal process filled with lies and misleading statements from EMC. I provided every doc they asked for as soon as they asked for it. Now they say being in the trial plan is no guarentee. I have made all payments since then in full on time in certified bank check.

I was about 7 months behind when I started the MHA program. These idiots lie and make up anything to deny us..... I made 4 Trial Payments and then was told to stop, since the Perm. I have gotten fed-up with these scumbags, and this week I finally sent a 7 page QWR Qualified Written Request , demanding that they payday loans in norfolk va provide me answers to many detailed questions. I see that the courts are leaning more and more in favor of the homeowner, and if Chase does not have standing or cannot establish ownership or legal right to foreclose, it seems that their best option is to negotiate a reasonable modification with me.

Recently, WAMU admitted to losing millions of loan payday loans des moines iowa documents when moving document storage to Mexico. So, it is probable that Chase now has thousands of loans which they legally do not own. From what I have heard, Chase will ignore the mandate to acknowledge receipt in 20 days, and most likely will just ignore my QWR. Not once unsecured personal loans online instant decision did WF tell me that he needed to find a consistent paycheck within the 8 months we were in review. They told us that we would be able to negotiate the balloon payment when the time comes. Just wondering if my husband gets a job or somewhat of a paycheck within the next month, how would WF handle it? Would they consider that as a good step toward fixing the mess they started? Not once did WF tell me that he needed to find a consistent paycheck within the 8 months we were in review.

They told us that we would be able to negotiate the balloon payment when the time comes. Just unsecured personal loans online instant decision wondering if my husband gets a job or somewhat of a paycheck within the next month, how would WF handle it? Would they consider that as a good step toward fixing the mess they started?

I paid payday loans st louis 5 trial payments and was turned down for a mod! I paid 5 trial payments and was turned down for a mod! Just received a letter from Suntrust telling me they want to help me.

It is a form letter and states they may be willing to accept less than the total amount owed. Since it has only been 1 month should I call them or should I let it go longer in hopes they might be willing to settle for less later.

I believe my home is under water by installment loans online no credit check more than what I now owe Suntrust. Learn how to wipe out your unsecured personal loans online instant decision second with a mortgage bankruptcy and learn the methods to "properly" claim bankruptcy on your home and loan. 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. 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. During this period, I got sick, went through chapter 7 (did not reaffirm my property), lost job. The reason I state it, my bank has not even notified me of rate change (I just checked it myself), perhaps due to my debt not being reaffirmed in Chapter 7. During this period, I got sick, went through chapter 7 (did not reaffirm my property), lost job.

The reason I state it, my bank has not even notified me of rate change (I just checked it myself), perhaps due to my debt not being reaffirmed in Chapter 7. During this period, I got sick, went through chapter 7 (did not reaffirm my property), lost job. The reason I state it, my bank has not even notified me of rate change (I just checked it myself), perhaps due to my debt not being reaffirmed in Chapter 7. I would give that a quick review (income and house value) with your local bank before you have accumulated any lates and credit damage. If you are qualified for x amount, offer them a short proposal maybe? I did not reaffirm mod after bk7 and since then have never received statements. I have personal loan details gotten rate notices however, these are 60 days in advance currently, so maybe they have dropped the ball on it.


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When you modify, you are creating new loan terms and this does not constitute a reaffirmation per se, but will make you liable for any new balance (rolled into new mod) that was otherwise discharged.

The new mod formulas use 40 year amortizations and balloon payments. The balloon payments are at 30 years, meaning you are not paying sufficient principal to make payoff at end of term, given extended amortization accounting. Yeah, I know, we are all being squeezed to live on less, especially with an impossible to maintain stair stepped interest built into the mods. I would give that a quick review (income and house value) with your local bank before you have accumulated any lates and credit damage. If you are qualified for x amount, offer them a short proposal maybe?

I did not reaffirm mod after bk7 and since then personal unsecured personal loans online instant decision loan have never received statements.

I have gotten rate notices however, these are 60 days in advance currently, so maybe they have dropped the ball on it. When you modify, you are creating new loan terms and this does not constitute a reaffirmation per se, but will make you liable for any new balance (rolled into new mod) that was otherwise discharged. The new mod formulas use 40 year amortizations and balloon payments. The balloon payments are at 30 years, meaning you are not paying sufficient principal to make payoff at end of payday loans in nevada term, given extended amortization accounting. Yeah, I know, we are all being squeezed to live on less, especially with an impossible to maintain stair stepped interest built into the mods. I am pretty sure there is not going to be any credit score damage ,since mortgage is not on any books since the debt was discharged through Chapter 7. Refinancing is not the option since my income slashed dramatically since first modification. I have learned that I cannot reapply for HAMP again, I am qualified though for streamline modification. Regardless was it reaffirmed or not, they cannot make me to reaffirm it, but they are required to offer me a streamlined modification once I request it, since I am already in a government program so to speak. I am pretty sure there is not going to be any credit score damage ,since mortgage is not on any books since the debt was discharged through Chapter 7. Refinancing is not the option since my income slashed dramatically since first modification. I have learned that I alternative loans cannot reapply for HAMP again, I am qualified though for streamline modification. Regardless was it reaffirmed or not, they cannot make me to reaffirm it, but they are required to offer me a streamlined modification once I request it, since I am already in a government program so to speak.


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It certainly sucks you do not have benefit of on time payment reporting with the credit bureaus. Of course, if you miss payments, you are not dinged with the credit bureaus either. Of course, if you miss payments, you are not dinged with the credit bureaus either. I am pretty sure there is not going to be any credit score damage ,since mortgage is not on any books since the debt was discharged through Chapter 7.

Refinancing is not the option since my income slashed dramatically since first modification. I have learned that I cannot reapply for HAMP again, I am qualified though for streamline modification. Regardless was it reaffirmed or not, they cannot make me to reaffirm it, but they are required to offer me a streamlined modification once I request it, since I am already in a government program so to speak. I am still trying to get another modification with the bank.

I want to keep my place but hopefully, at the lower rate. It makes sense for you to sell if you just want to get out of it.

I am still trying to get another modification with the bank. I want to keep my place but hopefully, at the lower rate. It makes sense for you to sell if you just want to get out of it. I might just bad credit long term installment loans online go 69 days past due which will save me 7000 to use towards other payments over the next year. I m waiting for them to call about unemployed programs they are supposed to offer fir a short period of time.

I might just go 69 days past due which will save me 7000 to use towards other payments over the next year. I m waiting for them to call about unemployed programs they are supposed to offer fir a short period of time. The best is to contact the bank and ask about your options. HAMP is only one time entrance so to speak, if you were in one, another one is forbidden. Streamline is driven by standard modification interest rate which is 3. The best is to contact the bank and ask about your options. HAMP is only one time entrance so to speak, if you were in one, another one is forbidden. Streamline is driven by standard modification interest rate which is 3.

Learn how to wipe out your second with a mortgage bankruptcy and learn the methods to "properly" claim bankruptcy on your home and loan. 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.