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DELL1 calls the hampster wheel game the road to trying to obtain a loan modification. Done The frustrating part is that some of us do not want to play the game, we desperately want to save our homes. According to your post, we would be considered pretty good game players.

We are 19 months behind on our mortgage and still in our home, and just found out Monday that we were declined for HAMP. We had been told for the past month that we were approved, BOA even put our insurance into escrow as part of the loan modification... Our goal is not to keep stretching things out, but to find a resolution. But right now, when we are trying to save our home, not take advantage of a broken system, it bothers me to read. Sounderwater, I sympathize with your plight but it appears your perspective, which is a common one, is creating some confusion for you. Many people think that modification was designed as a solution to their hardship, meaning payment reductions are meant to help you. Modifications are designed to benefit your lender with continued income. If in the process it staves off foreclosure, so much the better.

In the banks eyes, if you are struggling with your payments because your business is losing money, there are other options for you that can prevent loss of your home. Bad things happen to good people and this appears to be your case but I hope that you find a way to resolve your situation. Oh dude, lol i had no idea that was the entire game... DELL1 calls the hampster wheel game the road to trying to obtain a loan modification. Done Sounderwater, I sympathize with your plight but it appears your perspective, which is a common one, is creating some confusion for you.

Many people think that modification was designed as a solution to their hardship, meaning payment reductions are meant to help you. Modifications are designed to benefit your lender with continued income. If in the process it staves off foreclosure, so much the better. In the banks eyes, if you are struggling with your payments because your business is losing money, there are other options for you that can prevent loss of your home. Bad things happen to good people and this appears money lending websites to be your case but I hope that you find a way to resolve your situation. I think I am too closely connected to the situation to look at it from a rational point of view.

But, I truly appreciate the perspective that you have offered. Oh dude, lol i had no idea that was the entire game... DELL1 calls the hampster wheel game the road to trying to obtain a loan modification.

Done the HAMPster Wheel itself is a creation of the banks and the Obama Administration where as discussed before, the homeowner runs in circles chasing the elusive cheese (mod).


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You can be in the wheel, chasing the cheese and still be playing if you realize you are living rent free and are saving your cash or USING IT to fight off the executioner. Here, you turn into the master puppeteer and use the corrupt system to further your own interest. Just like the system is doing to everyone else in the WHEEL. If you have a hardship and cannot afford to pay your mortgage than it is honest to keep trying to work on a solution to save your home as long as you can do so honestly.

However if you falsify, lie, or intentionally deceive your servicer I believe it is wrong. I mean no disrepect and I apologize for interrupting the game but I think the country we live in is filled with too much dishonesty. Just because the banks are lying does not justify us lying.

If money lending websites you have a hardship and cannot afford to pay your mortgage than it is honest to keep trying to work on a solution to save your home as long as you can do so honestly.

However if you falsify, lie, or intentionally deceive your servicer I believe it is wrong. I mean no disrepect and I apologize for interrupting the game but I think the country we live in is filled with too much dishonesty. Just because the banks are lying does not justify us lying. My goodness lady, what ever happened to your personality and sense of humor? My goodness lady, what ever happened to your personality and sense of humor? She is probably a shill for the bank or a person who thinks everyone is honest. Well, get screwed over like most of us have, and maybe your perspective will change. But, its hard to accept getting screwed over by people time and time again. I am not looking forward to making the same mistakes again, which is a major reason I never get out of the house after 8 pm because trouble is lurking... I definitely understand cash loans las vegas the HAMPster wheel very well though. Sometimes it is hard to understand the difference between seriousness and joking in text. Espo, I am not a shill for a bank but I feel like an ATM because my kids are always trying to withdraw money from me, lol, and believe me I have been screwed over many times in life but I am still a believer in people and believe there are honest people out there even though I know that not everyone is honest. She is probably a shill for the bank or online credit stores a person who thinks everyone is honest. Well, get screwed over like most of us have, and maybe your online cash advance no credit check perspective money lending websites will change. But, its hard to accept getting screwed over by payday loans michigan people time and time again. I am not looking forward to making the same mistakes again, which is a major reason I never get out of the house after 8 pm because trouble is lurking...


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But I started this thread specifically as a place where some frustrated folks could have a little fun - we need and deserve it! Espo, I also wanted to say I am sorry for all that has happened to you. The positive of it is that we learn and hopefully the same bad things do not happen to us over and over.

I actually kind of missed that this game is not about ethics, morals, or honesty. It is about avoiding foreclosure for as long as you can!

I would try to keep a roof over my families head anyway I could. Because HAMP guidelines state the loan servicer should not commence foreclosure proceedings while the borrow is under review for an MHA (HAMP) loan mod. Make sure you provide enough time for the docs to get uploaded into the system.

And as Espo, I also wanted to say I am sorry for all that has happened to you. The positive of it is that we learn and hopefully the same bad things do not happen to us over and over. I actually kind of missed that this game is not about ethics, morals, or honesty. It is about avoiding foreclosure for as long as you can! I would try to keep a roof over my families head anyway I could. 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 educated guess tells me that, I probably have until September? October, unless the Sheriff department is swamped with work.

This is not a farewell post, I shall return with more info either positive or negative, as first payday loan well has hanging around LS to lend some help and opinions.. It would be helpful to those of left behind if the people we have helped would let us know what happened with their situations, but most just vanish. Amazingly, we got an offer last week, only days before the deadline which was yesterday. Best of luck to all those that play on, and know that you have the power to make your ending a happy one.

Amazingly, we got an offer last week, only days before the deadline which was yesterday. Best of luck to all those that play on, and know that you have the power to make your ending a happy one. We thought is time to look for a place to move out. So I hope we still have time to stay a little longer in the house. Can someone please post a link to the bagel thread that is mentioned in this thread? About 2 months ago, I put in a borrower assistance form to Seterus. They eventually came back with a response that I was missing some income information. Mortgage was modified just about a year ago, and I was payday loan direct lenders only no credit check told several times by the collection goons at Seterus that there was no way I could get another mod, or not before a year had passed.


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I also have plans to get remaining hardest hit personal loans in charlotte nc funds, but unfortunately, I am 2 years behind on filing my taxes which are needed for hardest hit. Again, I have money lending websites very little time nowadays to do anything. To make matter worse, at this same time, my HOA has filed a lien and is going after me for past due assessments. I am trying to workout a payment arrangement with them. Would it be a good idea to just resubmit another assistance form to Seterus to stall any foreclosure action? If I leave, should I let the bank or their attorney know the place is vacant? I guess the alternative is to let them figure it out once the grass gets to three feet lol.

About a month ago I received a tally of the total costs owed as per the court order so they next step is for the bank to motion for final foreclosure and then after I guess they would motion for the auction after that. If they know the house is vacant will it makes things go quicker? Like a loans in greenville nc good soldier, I never gave up the battle ie: hamster wheel game and could have easily several times. Thinking persoanl loan my game was over, I rented out my property and moved elsewhere (out of town) due to the poor employment where I lived. My tenants knew the house was doomed for foreclosure and they got a good price for the risk they were taking. In fact they came down the street from another neighbors house that was foreclosed upon seeking a new rental.

Thankfully they knew what the game was and accepted it. I got the rent monies which helped me rent a new place while I got set up in a new town. After fighting with one major bank (fended off one foreclosure with them), then another, then a few payday loans in dayton ohio other servicers, going to foreclosure mediation twice, filing numerous CFPB complaints and contacting my state senator to advocate for me...... Then low and behold in early 2016, my fannie mae loan was sold to a subsiderary of Goldman Sachs! I did my research and found it was part of a 55 billion dollar package of bad fannie mae loans sold to them. No doubt part of the deal struck the month before with loans tucson az the DOJ,etc for their part in the whole mortgage meltdown.

Part of that deal was also homeowner foreclosure prevention.