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I am on a deed on a property that I had with my ex. Come to find out she applied for a modification that changed the loan terms by having a balloon payment at the end of the loan. I found out when a real estate agent notified me of her intent to sell the property and she needed my signature to list the house. How was the loan modified without my consent and what recourse do I have since the modification ate most of the equity. Im not an expert on divorce, but why would you continue to own property with an ex? If you are not on the mortgage, then the ex probably has a right to modify the loan without you knowing since you are not financially responsible for the debt. You may want to review your divorce papers and see what was said about this piece of property if sold. I am on a deed on a property that I had with my ex. Come to find out she applied for a modification that changed the loan terms by having a balloon payment at the end of the loan. I found out when a real estate agent notified me of her intent to sell the property and she needed my signature to list the house. How was the loan modified without my consent and what recourse do I have since the modification ate most of the equity. Your only stepping into the picture because you have rights, through title. In addition, the modification probably ate through the equity because the loan was severely behind. We decided to take out a home equity loan, to do some improvements. Anywho, I discovered afterwards, there was another name that had a lien on the property. I also discovered my name was never on the deed upon take out a loan closing. Bank does not contact me in regards to late payments. Also, bank does not send me statements, although they have my current address, and I did a COA with USPS.

The loan docs do not appear right in some aspects, and the loan was modified, without me knowing it. I have asked for the mod paperwork, and they refuse to send me anything. Online, the payment history prior to the mod is missing , and something does not appear right.

Lawyers are not touching this one, due to us not being married. The other thing, bank updated the credit files as current , although it was 64 days late before, and not it is over 45 days late. I refuse to make payments for a residence I do not live.

I am on a deed on a property that I had with my ex. Come to find out she applied for a modification that changed the loan terms by having a balloon payment at the end of the loan. I found out when a real estate agent notified me of her intent to sell the property and she needed my signature to list the house.

How was the loan modified without my consent and what recourse do I have since the modification ate most of the equity. 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 online payday loans edmonton their underwater mortgages.


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I am on a deed on a property that I had with my ex. Come to find out she applied for a modification that changed the loan terms by having a balloon payment at the end of the loan. I found out when a real estate agent notified me of her intent to sell the property and she needed my signature to list the house. How was the loan modified without my consent and what recourse do I have since the modification ate most of the equity. I am on a deed on a property that I had with my ex. Come to find out she applied for a modification that changed the loan terms by having a balloon payment at the end of the loan. I found out when a real estate agent notified me of her intent to sell the property and she needed my signature to list the house. How was the loan modified without my consent and what recourse do I have since the modification ate most of the equity. Im not an expert on divorce, but why would you continue to own property with an ex? If you are not on the mortgage, then the ex probably has a right to modify the loan without you knowing since you are not financially responsible for the debt. You may want to review your divorce papers and see what was said about this piece of property if sold.

I am on a deed on a property that I had with my ex. Come to find out she applied for a modification that changed the loan terms by having a balloon payment at the end of the loan. I found out when a real estate agent notified me of her intent to sell the property and she needed my signature to list the house. How was the loan modified without my consent and what recourse do I have since the modification ate most of the equity. Your only stepping into the picture because you have rights, through title.

In addition, the modification probably ate through the equity because the loan was severely behind. We decided to take out a home equity loan, to do some improvements. Anywho, I discovered afterwards, there was another name that had a lien on the property.

I also discovered my name was never on online payday loans edmonton the deed upon closing. Bank does not contact me in regards to late payments. Also, bank does not send me statements, although they have my current address, and I did a COA with USPS. The loan docs do not appear right in some aspects, and the loan was modified, without me knowing it. I have asked for the mod paperwork, and they refuse to send me anything. Online, the payment history prior to the mod is missing , and something does not appear right. Lawyers are not touching this one, due to us not being married. The other thing, bank updated the credit files as current , although it was 64 days late before, and not it is over 45 days late. I refuse to make payments for a residence I do not live. I am on a deed on a property that I had with my ex. Come to find out she applied for a modification that changed the loan terms by having a balloon payment loan til payday at the end of the loan.

I found out when a real estate agent notified me of her intent to sell the property and she needed my signature to list the house. How was the loan modified without my consent and what recourse do I have since the modification ate most of the equity. Since 2007, the LoanSafe forums have helped online payday loans edmonton 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 father put the mortgage in his name and we pay the bill every month.

Mine and my husbands names are on the deed along with my fathers. Thank you for your help If the servicer knows that the borrower passed away they may not be willing to accept payments on the mortgage. Feel free to give me a call if you have any questions about that or e-mail: However if the borrower bought insurance to pay off the house , leaving it to the ones on the deed, would probably work. 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 father put the mortgage in his name and we pay the bill every month. Mine and my husbands names are on the deed along with my fathers. Thank you for your help If the servicer knows that the borrower passed away they may not be willing to accept payments on the mortgage. Feel free to give me a call if you have any questions about that or e-mail: However if the borrower bought insurance to pay off the house , leaving it to the ones on the deed, would probably work. 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 father put the mortgage in his name and we pay the bill every month. Mine and my husbands names are on the deed along with my fathers. Thank you for your help If the servicer knows that the borrower passed away they may not be willing to accept payments on the mortgage. Feel free to give me a call if you have any questions about that or e-mail: However if the borrower bought insurance to pay off the house , leaving it to the ones on the deed, would probably work. 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 purchase money 1st and 2nd was with Countrywide in 2095. In 2006 I refinanced eagle loan company of ohio with Greenloint for a 1st and 2nd which paid off Countrywide.

Around 2010, Greenpoint sold or transferred the 1st to Chase and the 2nd to BofA.

I did a Successful Hamp mortgage refi on the Chase 1st snd was part-way through the process when my BofA HELOC was transferred to Real Time Resolutions. Our AZ1st was deeply underwater so I was advised to ignore the HELOC bills from RTR online payday loans edmonton which was not modified and RTR was billing the original monthly amount I could not afford. I have never made a payment to RTR not given them financial information. Early on they started short term cash loans no credit check calling and sent me a form to fill out which I never responded to. They stopped calling immediately after I sent a letter to contact me only by mail.

For years I either received nothing from them or received maybe one notice or offer to settle a year at higher than I could afford. If they hsve run comps now, they may believe there is equity to get but they would still not get anything 3000 personal loan which I need to communicate. To sell at a price that covers the 1st, we would need to paint our exterior, paint the inside, recarpet throughout, fix the personal loans florida pool heater and retold the pool (none of this done in 15 years). Even with all that,I doubt our home would sell on the high end as there is a lot of comparably priced new construction all around us. The HELOC payoff is in 2021, so less than two years away. Also, the SOL has run out based on the month and year I first fell into arrears. I am concerned that RTR May ignorantly believe they can now squeeze sone money out of a foreclosure and file a Notice of Default which would kill my rebuilt fair credit rating.

On paper, I am insolvent though so I should avoid a tax bill on the forgiveness. If I open the door to settle, my concerns are as follows: I prefer to have all communications with RTR in writing and, in fact, would prefer to have a and attorney handle making this offer and the negotiations if not too expensive.

If I wind up doing it myself, what is the likelihood that I can get by doing all of this only in writing? I would state the home value range in the two Real estate carbs that are from two different realty companies end of month apart and would explain why my home is in the lower ridge and that even in the Highbridge there would be deficiency with the fees that would be involved in a short sale or for closure that would enable them to collect nothing.