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Based on the appraisal that BoA got, the property is worth about 90k (double-wide deeded together with land), which is about the same balance as the note. However, there are significant issues accessing the property since the development has a private road in terrible shape with no road maintenance agreement in effect and few willing to contribute towards upkeep. I counter-offered a much lower cash payment up front, but no promissory note. If they refuse, sign it and then claim bankruptcy later and wipe the debt out.

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. June 2015 - Owed 125k on a house that, at the time, was only valued at 90k. House needed (at my estimate) 20k worth of repairs, and I had barely anything in the bank. September 2016 - Was told a lien (old judgement lien) was still on the house. Primary told me (on sept 26th) that I needed to resubmit my information. Asked why and was told the loan was discharged (to a collector, I assume). As such, I obtained an apartment and am now splitting my time between the apartment and the house (bare minimum utilities at the house to keep it from totally being abandoned). If they discharged the debt, that means it is no longer a secured debt and it has become unsecured and a personal debt meaning that they can go after you personally for this debt. However, the lien will still remain and they cannot even foreclose now. 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 guaranteed cash loans the internet.

You should contact your attorney to obtain advice with respect to any cash loans columbus ohio particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not guaranteed cash loans reflect the opinions of the firm or any individual attorney. Please Read our If they discharged the debt, that means it is no longer a secured debt and it has become unsecured and a personal debt meaning that they can go after you personally for this debt. However, the lien will still remain and they need a personal loan cannot even foreclose now. When your mortgage servicer charged off the loan, that just means they had written off the debt portion of your mortgage loan as uncollectible for tax purposes.

The lien is a separate legal entity and will remain on the home. To sell your home with free and clear title, you will have to negotiate a settlement with your mortgage servicer who services 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 short term loan interest rate the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect best short term guaranteed cash loans loans online 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 When your mortgage servicer charged off the loan, that just means they had written off the debt fast cash personal loans com portion of your mortgage loan as uncollectible for tax purposes. The lien is a separate legal entity and will remain on the home.

To sell your home with free and clear title, you will have to negotiate a settlement with your mortgage servicer who services the lien. 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.

Do you think that there could be some unintended consequences of sending a Cease and Desist letter, either to an original creditor or a third party collection agency? In the case of an OC, they may feel that they now have no way to communicate or contact you therefore, may have no choice but to start a lawsuit to collect their debt. What experiences have some of you had with a Cease and Desist letter? It is heavily underwater and is a purchase money mortgage with no refinancing on the mortgage.

That way they can still contact you but it avoids the calls. Either way I would wait until the calls get heavy or they call friends or family.

It was about 15 days after first missed payment grace period ended. We stated mail correspondence only , it worked and just 2 letters so far requesting that we please pay. The bank is required to notify property owner at the pertinent milestones of the process and i am confident they will.

Is there a thread guaranteed cash loans somewhere with examples of cease and desist letters that people have used?

Is there a thread somewhere with examples of cease and desist letters that people have used? If done correctly a cease and desist letter is your first step in working out a favorable settlement. If you like i can show you mine and explain why I wrote what guaranteed cash loans I wrote. Just a guy who learned how to deal with these collection types the hard way. I am writing to request that you cease your communication with me.

The Fair Debt Collection Practices Act specifically states in Section 805(c), referencing ceasing communication that you must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I require that you stop calling me at work. In addition, do not call or communicate with any third party acquaintance of mine per section 805(b)2 of the Fair Debt Collection Practices Act.

If you continue calling me, I will pursue all available legal actions to stop you from harassing me and my family. 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 Any and ALL examples would be awesome! Do you think the above letter might make the lenders angry? LOL 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 low income loans online Read our Privacy Policy and Legal Disclaimer If done correctly a cease and desist letter is your first step in working out a favorable settlement.

If you like i can show you mine and explain why I wrote what I wrote. Just a guy who learned how to deal with these collection types the hard way. When sending a letter like the one you mentioned, should I also attach the laws to it like you did, or was that purely for my benefit and leave them off because they are aware of the laws and just mentioning them should advise them that I am aware of my rights and not to mess with me? I just included that information as it applies to the law that states what they would need to stop as collectors once they receive the letter. 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.


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Please Read our Privacy Policy and Legal Disclaimer I am writing to request that you cease your communication with me. The Fair Debt Collection Practices Act specifically states in Section pay weekly loans 805(c), referencing ceasing communication that you must cease all communication with me after being notified in writing that I no longer wish to communicate with you.

Therefore, I require that you stop calling me at work. In addition, do not call or communicate with any third party acquaintance of mine per section 805(b)2 of the Fair Debt Collection Practices Act.

If you continue calling me, I will pursue all available legal actions to stop you from harassing me and my family.

Can you still engage the lender or servicer regarding a loan modification after you have sent them a cease and desist letter. 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. June 2015 - Owed 125k on a house that, at the time, was only valued at 90k. House needed (at my estimate) 20k worth of repairs, and I had barely anything in the bank. September 2016 - Was told a lien (old judgement lien) was still on the house.

Primary told me (on sept 26th) that I needed to resubmit my information. Asked why and was told the loan was discharged (to a collector, I assume).

As such, I obtained an apartment and am now splitting my time between the apartment and the house (bare minimum utilities at the house to keep it from totally being abandoned). If they discharged the debt, that means it is no longer a secured debt and it has become unsecured and a personal debt meaning that they can go after you personally for this debt.

However, the lien will still remain and they cannot even foreclose now.

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 easy to get loans with bad credit 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 If they discharged the debt, that means it is no longer a secured debt and it has become unsecured and a personal debt meaning that they can go after you personally for this debt.