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The most they offered was some ridiculous repayment plan, to roll in two missed payments. They would not help or refinance us into some other loan. After months and months of back and forth, I gave up trying to work with them. We decided we would just rent after the foreclosure. Finally, Sometime in May of 2008, Countrywide set a sale date, and then canceled it. They then rescheduled the sale for the end of June, and then canceled and rescheduled for September. They canceled that date as well, and never moved from there. Sometime in 2009, Bank of America took over our loan.

They called us relentlessly for about six months or so, and than started calling like two or three times a week. In September of 2009, someone called from the fraud team at Bank of America. He wanted to ask about my husbands employment when we received the loan. Throughout all of 2010, and 2011 basically nothing happened. I tried a few times at getting no fee payday loans the assistance under HAMP but received letters that my loan owner was not participating. Absent the phone calls, the only thing I recall is BOA sending someone to take pictures of my house, in 2010. Just before Christmas in 2012, we received letters from Specialized Loan Servicing, saying they were taking over the loan of BoA. Sometime after the new year, we received more notices, that SLS would not be taking over our payday loans in ga no credit check loan, and to direct any payments or questions to Bank of America. In the spring of 2014, we listed the house on the market as a short sale. The realtor received what was a very good offer for the value at the time, and submitted to BOA. We then submitted our financials, and documents, and thought everything payday loans in ga no credit check would be ending then. Bank of America refused to give an answer to the buyers, and after almost two months, they walked away. All the while, our kids have all grown up and have left for college, and we are now stuck in a house that is way too large, for two people, and I really, wanna downsize to something smaller and simpler. I just have no idea what exactly I can do to move forward, and walk away from this home. We never envisioned living here this long, and we never planned a retirement in this area either. In addition, we also recently discovered, we cannot qualify for a new mortgage, with our current one being in default. In fact, two years need to pass after the foreclosure occurs on this house, before we can purchase a new one. So, until that day comes, we are trapped renting until BOA decides take it.

Is there any way to make that possible or force a hand? When your loan was flipped over to Country Wide, they didnt adjust the interest rate.


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They would need to follow the exact mortgage terms that you signed with Quicken Loans. You probably had an interest only loan for the first year, then you had to start making actual payments on the house? It doesnt sound like you filed for bankruptcy which would of taken care of a lot of your problems. Bankruptcy discharges the debt, but leaves the mortgage holder with the lien to the property, which they can then use to foreclose. There must be more to the story, because it seems like this would of taken place years ago. Without bankruptcy protection you will be responsible for any deficiency when the home is sold. Bankruptcy discharges that debt and you are not responsible for any of it. You should probably go to your county no credit loans fast register of deeds and see who actually holds the lien. Then you can legally walk away and not have to worry about owing an money. I think renting is the way to go so you can downsize and move. If you really want, you can put the payments into escrow against the debt.

I would consider transfering the property into a Trust or LLC for the sake of taking it out of your name and rebuilding credit. Whethor they come for the property in 3 years or 3 days, you need a plan to move forward. You can always turn over the house and the lease when the time comes.

If not, the free house part is at least not intentional. Beware of being proactive trying to negotiate right now as you are kicking the beast and it is very unlikely they will not comply with any negotiations in a reasonable amount of time. BOA is known for not being ethical or having proper paperwork. Sounds like you won the lottery and are complaining. If the house is really no longer where you want to live, rent it out under market price and collect The monthly revenue. Otherwise I would stay there until your last day on Earth. Our mortgage servicer just fraudulently foreclosed on our home (they payday loans in ga no credit check did not own our loan) and bought our house at auction, all while we were actively being considered for a loan modification after we fell upon difficult times when my husband fell very ill and had open-heart surgery. They dual-tracked us right into foreclosure and a sale behind our backs while we were simultaneously actively submitting documents for a loan modification. Now, we are fighting with every ounce of energy that we have to save our home. You are not paying for it and have not in 12 years, yet you are being allowed to retain your home. I agree that if this particular home no longer suits you, find someplace else to live and rent it out to someone who will appreciate it.


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I received a email notification that there was a new response.

I thought I would come back and try to update, and explain my side. Because we have always lived wondering when this mess would end, we have deferred a ton of maintenance we needed to do. We desperately need to replace several roof tiles, our pool liner needs to be replaced, we need to rebuild a retaining wall the list goes on and on.

And we may need to spend thirty or forty thousand dollars in work to bring it back to completely livable. Secondly we did meet with same day cash advance direct lenders a lawyer and he was as puzzled as we have been. The abstractor could not find a Deed of Trust beyond the one we used to purchase the home, and those have already been marked as Canceled. Despite this, we have several notice of trustee sale letters that have been recorded.

And I was told is, this is a paperwork issue, and eventually, they will fix it. And when they do -- we could be in for a nasty judgement, because our loan is recourse. Our loan apparently became recourse, when we did the refinance in 2005. He told us over and over, we should really consider settling this with the bank, before they fix the problem.

I think the best course of action, may be for us to file for bankrupt, and try to give the house back in the action. I would only consider it, if we could do it safely without getting a smackdown later. When your loan was flipped over to Country native american loans Wide, they didnt adjust the interest rate. They would need to follow the exact mortgage terms that how do loans work you signed with Quicken Loans. You probably had an interest only loan for the first year, then you had to start making actual payments on the house? We have no other debt beyond a tiny credit card balance to kohls, and a car loan. I know we need to ask a attorney, but do you think we would qualify for a Chapter 13? I would really prefer not to file but it does sound like the best way to move forward. If you want real advice --- hire another real estate attorney. I would place the house into a LLC, Fix it up, and list it on the market with a Realtor.

You should consider this the ultimate opportunity to move on with your life. I also think you should take before and after pictures just in case you need your own lien on the work later. I am considering this in my case because ultimately with a FC hanging, all of my investment in improvements can be lost on an if or when situation. I found an obscure law reference on it, so maybe others can find something similar in different States.

Document your increased equity value so that it can be separated from any lender demands if it comes up.

You might even get a tax value discount if you do this right. Check out if your local Property Valuation Office has any programs encouraging improvements in exchange for reduced taxes. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain payday loans in ga no credit check a short sale, forbearance, or walk away legally from their underwater mortgages.

Well, the lawyer told me that I should file for Chapter 7 Bankruptcy by Friday and the Law Day would go away on Feb. I also believe that would give me some more time in the house. If the court agrees that you are in default, it will approve the foreclosure and give title to your home directly to the lender. There is no foreclosure sale like with a judicial or nonjudicial foreclosure. The lender begins a strict foreclosure by filing a payday loans in ga no credit check complaint (lawsuit) with the court and serving it to you along with a summons. If I were you, I would file for bankruptcy right now. Are they willing to potentially work through the weekend? I heard that Chapter 7 would allow me to stay in the house for 6 months. Chapter 13 bankruptcy would allow installment payday loan me to stay even longer. Are they willing to potentially work through the weekend? I heard that Chapter 7 would allow me to stay in the house for 6 months. Chapter 13 bankruptcy would allow me to stay even longer. Chapter 13 will allow you to enter into a guaranteed repayment plan for the debt.

Even if the Loan Servicer refused to give you a reinstatement, you would have the option to keep the home. Chapter 7 may not provide all the benefits you are looking for.

In that particular case, I would file for a Chapter 13 Bankruptcy. I think it would give you maximum benefit, as well as keep the option open to file for a Chapter 7. Also - once you file for Chapter 7, you are limited from filing again for many years. If you missed any deadlines you could try contacting the court clerk and ask payday loans in ga no credit check for mediation but it looks like bankruptcy may be your only option at this point.

Once that gives you a little breathing room you could then look into mediation and finding a roommate to cover the rest of your payment.

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.