Where to get loans
Unfortunately, a couple of years ago, we fell quite a few months behind on our mortgage payments due to my husband becoming very will and underwent open-heart surgery and was out of work for an extended period of time. At the time, we were told that we would not be eligible for a loan modification because we had received one the year prior and you can apparently only get then once every 2 years. Carrington basically just told us to wait until we were eligible (which was the end of 2018) and then apply for a modification, which we did. However, about a month before we were eligible, we were served pay day loans no credit check with foreclosure paperwork (this was a little over a year ago). We kept sending them documents both via fax and email, yet they would repeatedly claim that this document was missing or that document was missing and we spent months going back and forth with them. They referred us to a mortgage counselor, who we started working with.
Anyway, 1 hour loans the housing counselor starting communicating with Carrington on our behalf after we signed the proper release form to allow him to do so. Whenever Carrington needed another document from us, he would let us know and we would then send the document to him and he would then no fax online payday loans send it to Carrington.
The last time any documents were requested from us was about 3 weeks ago. So, we promptly sent ALL of those documents to our housing counselor and he then submitted them to Carrington and copied me on the email. Well, this morning I received a phone call from him.
He had called Carrington and was told that our property had been foreclosed on and SOLD TO CARRINGTON on August 28th!!!!
We NEVER received ANY sort of notice that anything like this would be happening! Carrington literally requested more documents for our modification application AFTER this sale allegedly occurred and NEVER said a single word about this to either us or bad credit long term loans our housing counselor!
We have been in VERY close contact with Carrington this entire personal unsecured loan past YEAR and have been working with them very closely to try to obtain this modification, which we were told we were now eligible for! We sent them EVERY SINGLE DOCUMENT they asked for, and then some!
Why would they not even so much where to get loans as mention this and WHY would they continue asking for online payday loans manitoba documents for the modification process from us as though everything was smooth sailing?! Our housing counselor did put us in touch with an where to get loans attorney who handles this sort of thing and he is sending this attorney about 150 pages of documentation from our file, which he will get on Monday.
I requested the court that if they receive a writ request from Carrington or their attorney to NOT DO IT as we never had proper notification about any of this and we have been working with Carrington this entire time to try to obtain a loan mod!!! Has anyone else every been through this or anything similar? We have no idea where we would go if we were totally uprooted and lost our home!
We have 4 Golden Retrievers who are literally our babies and rents around here for single family homes are INSANE, almost twice that our mortgage payment was.
The last thing we want to do is have to move in with my elderly parents. I feel like where to get loans our entire world has been flipped totally upside down today.
The sudden sale usually happens in non-judicial States. Yes, we were served with a foreclosure lawsuit in April of 2018, but at that time, the attorney representing Carrington advised us to contact Carrington directly to try to work something where to get loans out, such as a modification, which we were eligible for. The housing counselor and I are currently waiting back to hear from this attorney who we spoke with on Friday, but have not heard from him yet.
I am keeping my fingers crossed that I hear back from him today. They were actively working with us, or so we thought, on obtaining a loan mod, but what they were simultaneously doing behind the scenes was plotting to steal our home. Hopefully, once we get an attorney involved they will start to change their tone a bit. I did file my motion to object the personal loan providers writ that they motioned for last week to hopefully slow this thing waaaaaaaay down to give us time to fight this and somehow try to work something out. One thing on your side is that the lender bought it. If it was a third party who bought it that can be nearly impossible.
It sounds like you were seriously taken advantage of.
There are laws that protect your rights, government agencies that may be helpful (if only slightly) and people in this forum with experience fighting back who will share their knowledge. That said going up against a bank is one of the hardest things imaginable given the disparity of economics and bargaining power. You need to assess your commitment to your home in terms of the monetary and emotional investment. You need to also consider your own temperment and world view to determine whether fighting back will be worth it. Find your loan documents - your mortgage - and read specifically what they say regarding their right foreclose. Well, our HUD counselor did speak with Attorney Tom Cox last Wednesday, who said that he has been seeing A LOT of very alarming activity from Carrington Mortgage lately.
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He is nationally known for uncovering the fraudulent foreclosure activity conducted by mortgage servicers and he sparked a 50-state attorney general investigation years ago.
He has also taught many, many foreclosure defense attorneys how to handle these situations and win these types of cases. He even won the Purpose Prize in 2012 for his work helping people save their homes. I REALLY hope that cash advance locations he can help us in some capacity. I tried many times to reach our counselor yesterday, but was unable to. I have put in an email to another law firm in our state last night who handles consumer protection law to see if they can be of any help to us. Thus far, we have done a couple of things this past week. I dropped that off at the court on Monday afternoon. Our HUD counselor filed a formal CFPB complaint against Carrington on our behalf on Thursday, so we are waiting for a response on that.
We have nearly 12 years worth of memories in our home. We have celebrated ge personal loan 12 years worth of holidays, birthdays, anniversaries, etc in our home with family and friends.
It is a time capsule of memories and even beginning to think of losing it loans clarksville tn breaks me down into tears. My husband and I work WAY too hard to be going through something like this.
We both bust our behinds working WELL over 40 hours per week. We have been sending them document after document after document for the entire past year. EVERY SINGLE document they requested from us we sent without fail.
They never even approved or denied our application for a modification. They just kept kicking it back and demanding the same documents over and over again, claiming that they were either missing, stale, or incorrect. We had literally JUST been told in mid-August that we were back in underwriting and then the proceeded with the foreclosure behind our backs in August 28th and then our home was sold at auction to Carrington. Attorney Tom Cox already confirmed that when he looked up our mortgage in MERS a while fast cash loans back. Plus, Carrington legally was NOT supposed to have dual tracked us into foreclosure when we had an active application for a loan modification that we had not even received a decision on.