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If you guys have time, you really should listen to the podcasts. One of my favorite lines from the first one is when the lawyer says How is it that they can refinance a loan in 2-3 weeks, but it takes 3 years to MODIFY a loan? We vent in postings here, anyone close to us heard our tales years ago, our friends say we start sounding like lawyers, quoting regulations and violations. Many of us have had added family crises, health issues, not to mention damaged credit reports, clouded chain of title, money spent on the battle as months turn into years. Now, I need to give my proposal to Chase for settlement. After this long a period, how does one place a monetary value on ignored QWRs? On multiple loan mod applications with no response, on denials without cause, on attempts at foreclosure? I would like to ask for concrete information you have seen with other homeowners or your own experience of placing value on these things which are beyond value. Silly, I know, but this whole game has been irrational, quickloan and the stress both emotionally, physically and financial is something others have no idea about unless you have been one of the people fighting for their home. Cannot speak to it at the moment, as you all understand. What is another few weeks or months, when it has already been years, and they have been slow years. It is helpful, though, to hear of the coping skills of many people on the list. These are important stories to hear and share what would we all have been able to do over the course of the last five to six years if we were not fighting to save our homes? Instead of defending our shelter, learning the intricacies of laws that were changed, legal terminology, keeping up to date on foreclosure cases, our lives would have had the space for creativity, for writing, for artwork, to do a better job at our careers, time to devote to giving to others, coaching soccer games, teaching skills, being involved in the natural environment around us, and caring for it, helping family members, caring for elders and children, taking care of our bodies through exercise and diet, not to mention relaxing and living more stressfree. A great loss of human resource has been a high toll. These postings are filled with mention of health crises, death of family members and even the homeowner, and repeatedly, the divorce of the homeowners.

The criminal behavior of mortgage fraud has been detrimental to the nation, but the quality of life and human resource loss will be a toll which will continue to be paid in the generations to come. She is the LOVE of my life, how could I do that to her?

Wanda Robo, This has become far more of an endurance test no employment verification personal loans than any of us ever could have dreamt of.

We all have peaks and pretty low valleys in the process.

The 1 hour loans no credit check fraudsters count on us succumbing to human emotions.

The people who do not feel that, walked a long time ago. Yes, it would be nice if it was just answering some mail and going out to dinner when we wanted to. At one time, I could not get over the mountain pass in the winter to one of my children in ICU in a coma, because I had a court hearing the following morning.

Looking back, it was a call I made, but do not feel good about. Doing this is essentially a fulltime job to stay on top of. Sometimes I wonder why this group of people need to go through all these trials to learn these lessons and skills. They are learning , for whatever reason, what it takes to survive, the persistence necessary. There is not a one of the people fighting for their homes who are doing it half- heartedly each one is full-tilt passionate about their home, their land, and the bad credit installment loan companies justice for it to not be stolen. I would choose any of you to survive on a desert island with me. These are the ones who will not give up when it gets rough, who have heard bad credit installment loan companies all the lies coming in new formats, and still push on. The game has gotten dirty, the maneuvers are bad credit installment loan companies more and more devious, and everyone questioning how could this have happened, when realizing that loans online the laws have been changed to support the banks, is normal.

All we can do is celebrate the things we have accomplished. My husband who is 20 yrs my senior, has buried 2 of his children, from another marriage.

Our child is absolutely a gift from God (at age 55). It is and will, continue to be overwhelming to all of us. I wish there was a way to reach out to people facing the loss of their homes and show them ways of defending their rights, though it is as you were saying an exhausting bad credit installment loan companies and overwhelming undertaking. Something else I was thinking, Annie Mac, is that you may end up with a non--disclosure clause in your agreement. If that will be the case any bread crumbs you drop along the trail now might be useful to others......... And also, divorce seems to happen all too frequently.

And ,when thinking of damages, the legal term is that you were prevented from fully enjoying the property - how could you when the banksters were trying to steal it? I am a half glass empty, kind of person, but the forums, have turned me into a half glass filled person. ADMIRATION, LOVE, SUPPORT is what I have now, thanks to every single one of us, who have shared our experiences.

But I am not going to lie down and just let them beat me to death.

You all have carried me a long way Wanda, Royal, Annie, Isis etc. The emotional duress has been significant, but, I will keep on because I am a survior and I will succeed. 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.

To the hardworking, skilled attorneys who believed in us and worked so hard and gave their advice, we are forever indebted, our fight started RIGHT HERE on LoanSafe. When borrowers sign on the dotted line for a new mortgage on their home, the United States Congress put in place laws that would serve to protect borrowers from unfair lending practices such as misstating fees and charges, or not clearly outlining the terms of a mortgage or providing required disclosures. This gave borrowers and lenders a level playing field and the reassurance that their transaction was protected by law to be as they were being told it was. One of the more powerful laws is contained in the Truth In Lending Act: Mortgage Rescission ( TILA Rescission ). It is the extended three year right of rescission that was recently addressed and clarified by the United States Supreme Court in January of 2015 because of a widely occurring problem of lower courts misinterpreting the law, making it nearly impossible to use by a borrower. The ruling settled a circuit court split that was creating conflicting and erroneous rulings around the nation. Lower courts were ad-libbing all kinds caveats to the facially simple and direct remedy to short term loans for bad credit a fraudulent or defective mortgage. The US Supreme Court, in its ruling, settled all doubts about the act of invoking a TILA Rescission, and stated that there is no change in this law, it is now as it has always been, and no court has the discretion to change it. Though it is spelled out in unambiguous language in USC1635(b), courts are still making up their own rules about it.

In circumstances where justice was not served by a ruling, a rule 60(b) motion gives the court the authority to overturn their ruling at their discretion in the interest of equity. Courts do not like their rulings to harm innocent third parties, like buyers of a home at a foreclosure auction. To decide whether finality is affected, it is argued whether any parties will be unfairly injured by the court reversing themselves. When an appeals court analyzes whether or not a trial court abused their discretion, they are to examine the It would be counter-intuitive to consider facts that occurred AFTER the trial court ruled.


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They would also like to thank the many, many people who have supported them through this horrific time in their lives and they thank God for their beautiful children and compassionate friends.

That is what everyone should do if they can and not take the unlawful behavior of these mortgage servicers and trustees laying down. 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.

What a joy to see your reply, and how kind that you remembered me. It has been years, and it has been a royal nightmare.

Since the Jesinoski ruling last year (which was INDEED great, monumental news!!

That means payday loans arizona NO COURT has jurisdiction to rule on these instruments. Just like everything else that I have seen in foreclosure litigation, there is the LAW and then there is the way the courts actually RULE.

Usually these are two completely different things, and NO there is not much that can be done about it. It is a sad fact that most courts are firmly against ruling against the banks. As you know, I was very involved in legal procedures and methods homeowners could use to combat these get a loan with bad credit cash advance stores lending and mortgage servicing abuses. Then came the lawsuits and courts who seemed to rule outside the law as if they were making it up as they go. Yes, our nation is in peril and I only see it getting worse.

Just this week, Jim Rogers has said the same and was quite outspoken about how it was written in the Bible. You will be woodcutters and water carriers for the house of my God. 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.