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Think Bank of New York actually owns loans and the others are servicing them. I get very little from BOA now but RCS has sent letters with NOTICE OF DEFAULT AND INTENT TO ACCELERATE.

They have given us until id may to pay up or they may take steps to accelerate the sums secured by the Security Instrument, including foreclosure or other action to seize the property as allowed by law. A man has come by our house more than once to talk to us and unfortunately my children (teens) were home. While they did not share any specific information, they did say they were with BOA and we (parents) would know what it is about.

My thought is that they are trying to see if we have abandoned the house. Husband worried they will pad lock the house and take everything inside. I need as much time as possible but wonder if I should apply for DIL again. Maybe now that we are 10 months behind they will be more likely to play ball. Husband worried they will pad lock the house and take everything inside. I need as much time as possible but wonder if I should apply for DIL again. Maybe now that we are 10 months behind they will be more likely to play ball. They bank cannot just lock up your home and take your belongings.

The rep that was sent down to your property was there to verify you are still occupying the home, this is common for every lender in any state to protect their interests in the property. A Notice of Default (NOD) and a Notice of Intent to Accelerate (NOI) are two completely different notices. The NOI is sent to everyone who falls behind on payments and is simply letting you know of the past due amount and that foreclosure proceedings may begin if you do not bring the account current. An NOD is basically the official beginning of the foreclosure process. The comments by me and the materials available at this web site are for informational purposes private lender loans 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 online fast loans Privacy Policy and Legal Disclaimer Looking for advice....

BOA transferred my 1st to RCS so I now have my 1st with RCS and 2nd with BOA. Think Bank of New York actually owns loans and the others are servicing them. I get very little from BOA now but RCS has sent letters with NOTICE OF DEFAULT AND INTENT TO ACCELERATE. They have given us until id may to pay up or they may take steps to accelerate the sums secured by the Security Instrument, including foreclosure or other action to seize the property as allowed by law. A man has come by our house more than once to talk to us and unfortunately my children (teens) fast cash the best payday loans the best payday loans loans with bad credit were home. While they did not share any specific information, they did say they were with BOA and we (parents) would know what it is about. My thought is that they are trying to see if we have abandoned the house.

Husband worried they will pad lock the house and take everything inside.

I need as much time as possible but wonder if I should apply for DIL again. Maybe now that we are 10 months behind they will be more likely to play ball. The extension means homeowners now will be excused from paying taxes on the best payday loans forgiven mortgage debt through 2013. The law, established in 2007, was set to expire Dec.

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 Start with a Qualified Written Request. As Evan said a couple times, DO payday loans in california NOT PURSUE a modification if you are going to walk. The QWR will keep them from touching your credit report for 60 days will they are responding to your request. Dispute aaa cash advance the debt and have them prove you have a valid debt with them! You will among other things find out who really owns the note. This would qualify you for the DOJ mod almost certainly for at least an Interest rate reduction. Although, your mortgage was probably already paid off if part of one of those pools by insurance, swaps, etc.


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In your QWR, make sure to have them send a True and Correct Certified Copy of the note. It was loans instant destroyed almost certainly and they are using digitial copies. Signed up w fraudulent 3rd party mitigation company to save house.

Per countrywide, awaiting final approval from BONY.

Called every few weeks for 9 months, updated info... BAC contacted me to do cooperative short sale agreement...

That same month, my original foreclosure case was dismissed in county court for inactivity. I washed my hands of the whole thing and just resigned to waiting for a foreclosure and filing chap 13 if necessary. September 2012, Select Portfolio took over loan and started sending mortgage statements. Next month marks 5 years since first default payments, which may time bar judgements according FL statute of limitations. Discovered that my trust is listed in CWALT settlement case, and my assignment to countrywide was handwritten date and the best payday loans prepared by a law firm in miami that has been shutdown and disbarred for fraud, and the signed by a secretary for MERS, but who was also an atty for the preparing LLC that was shutdown. 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. I was offered a step rate loan modification on July 11, 2009 from BAC Home Loans Servicing LP. We notarized, signed it and have been making the payments on time since then.

They are now telling me that the investor on my loan (Fannie Mae) declined the modification and so now I owe them the past due amount or we can try for the MHA plan. I emailed the OOP Barbara Doeser this morning, havent heard anything back yet. BofA also told me to call Fannie Mae to tell them what happened. My house is in CA but we leased it out because we moved out of state for work. Welcome to loansafe, I see that you had your 1st post. It looks like pay day lones they are trying to screw you over and run you around until they can STEAL your house by foreclosure.

I think the only way to resolve it in your rightful favor is with an attorney or possibly the class action suit ( no class action for me).

The only problem is that there is a shortage of Lawyers who get it. By that I mean understand the fraud involved and the securitization process and the best payday loans have experience in court trying foreclosure defense or offense cases.


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If you have not already done so start researching mortgage fraud, MERS and MBS (securitization process) so that if or when you get an attorney , you will be up to speed.

If you have an questions , keep posting here there are several knowledgeable people like doghouse, magnum,so-cal gal, fedup, etc.. I just heard back from my 4th negotiator yesterday for the last time, she was so full of BS concerning the NHRP, MHA and updated NHRP with Principle reduction and my eligibilty, she even told me she could explain why I did not pass the test but I would not understand it (the reasons). I laughed and told her I am more of an expert than you and I hired an expert (hint ---lawyer) Thank you for the link. Yes, I already joined the class action lawsuit last week when the bank first told me I was declined for ALL mods. Part of the reason they do not want to modify us is that BofA would HAVE to buy back the loans they modify as per their agreements with the investors. This article really does make you aware of the predicament the lenders have cornered themselves into: I am in the Central Valley. The nearest lawyer who gets it is 2 hours away from me. I know more about it than all the attorneys in my immediate area. None of them seem to understand the ramifications of these securitized loans, let alone how to defend these cases. Yes, I am well aware of MERS and the other pretender lenders and am hoping to challenge their standing in BK court. I am gathering as much information before I get served another NOD. I was served with one a year ago, naming MERS as nominee, that has since then expired.

The more digruntled homeowners (and investors) in litigation, the more money da man will spend defending themselves. I was offered a step rate loan modification on July 11, the best payday loans 2009 from BAC Home Loans Servicing LP. We notarized, signed it and have been making the payments on time since then.

They are now telling me that the investor on my loan (Fannie Mae) declined the modification and so now I owe them the past due amount or we can try for the MHA plan. I emailed the OOP Barbara Doeser this morning, havent heard anything back yet.