Same day loan

They sent you the agreement, you could battle them later if they truly do foreclose. That way they can still proceed with the foreclosure if you fail to make the payments. I assume you are in default since foreclosure was just filed. By sending the modification package they are giving you an opportunity to perform under the contract, by making the payments you are accepting their offer and once the trial payments are made they have a responsibility to provide a permanent modification.

That should make it difficult for them to proceed with the foreclosure. Make your payments these next three months but in that time do what your can to learn your legal rights and develop a game plan should they not give you a permanent modification. Begin to document your communication with your servicer by keeping a log of who you spoke with, their title, when you spoke with them and what was said. If you are treated unfairly or misled to your disadvantage you can respond by sending a Qualified Written Request (QWR) under RESPA in which you can state the issue, ask questions and request that they resolve the problem. You can file a complaint to the Consumer Fraud Protection Bureau (CFPB) on their website and they will notify your servicer. I recently received a confusing set of mail from Seterus. One said that I was denied my modification request (letter). The other was a modification package, with three coupons to start the trial.

I was about to send the check off for the first payment, when I checked my name in the court records and the bank had filed foreclosure on me just 3 month payday loans no brokers yesterday! So upsetting, and I really do not have the money to hire an attorney for this. Seterus turned down the first short sale offer that I got and keeps on appraising it way too high. Your feeling are justified and ones most of us know too well. My knowledge is non cash today loan judicial and it sounds like you are in a judicial foreclose state. For that reason my best advice to you is to post your situation in the thread I mentioned above, Bagels at a Bar Mitzvah, there is link to follow above. All same day loan of us on the thread are committed to sharing our knowledge to help other homeowners.

Many of us have fast cash personal loans been in our homes for seven or eight years by using various means to protect our rights.

I was behind a couple months when I get an unrequested modification trial. Ok so I made the first payment anyway on it, and made the second. Couple weeks go by and its still in a suspense account. SO it was due Oct 1, and that had passed, and when I called back they said I was no longer a candidate for a mod since it was now late! Just to update my situation if anyone cares, my home sale did go through, and in the meantime Seterus sent me a new mod, which was better then the first mod they sent.

I have no idea if loan services my second loan will accept a deed in lieu and have to jump through a bunch of hoops for it—and I still have to decide if I can make it to my court date, as I am out of state.


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I have no intention of fighting and have not retained a lawyer. I keep on waking in the middle of the night freaking out about this.

However, as I mentioned before if you post this information over on Bagels at a Bar Mitzvah there are knowledgeable people fighting foreclosure in judicial payday loan no credit checks states who can answer your questions. This no credit payday loans is scary stuff to go through and there are people on that thread with information to help you. There are plenty of homeowners in judicial states who would know about that on Bagels. Thanks so much for reaching out again and for directing me to the other thread. I posted there too to see if anyone could offer guidance. The government is no use, you find websites that say they can solve your problems and then pretty soon you see a Visa logo.

That could either be because no one had an answer or else it got lost in the shuffle.

There can be numerous discussions going on at the same time on Bagels. Another way to get an answer about a legal question for free and from an attorney is on the website Avvo. The attorneys answer simple questions for no charge as a way of finding clients so you might want to try that. 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. The 2nd mortgage was initially for 64k and now it is 152k.

Due to hardship and lost of income, I could not pay at the time. I attempted to do the Strategy for Settling Your 2nd I have seen on this forum and offered to settle for less. They wanted financials which the strategy said not to provide. I have never filed bankruptcy and my first mortgage is current. This is the 2nd time this month that I heard of a second mortgage from over 10 years ago sending a foreclosure notice. I am assuming it is because you have more equity in your property and they could recoup the money they need to satisfy the loan. Yes, they can foreclose if they choose to so you will have to think of some other options or another strategy to save your home at this point. 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. If they have a lawyer wanting to foreclose now is it to late to try to make payment plans or arrangements? This is the 2nd time this month that I heard of a second mortgage from over 10 years ago sending a foreclosure notice.

I am assuming it is because you have more equity in your property and they could recoup the money they need to satisfy the loan.

Yes, they can foreclose if they choose to so you will have to think of some other options or another strategy to save your home at this point. I contacted RTR and they said if I submit my loss mitigation then they will suspend the foreclosure. I know the Strategy for 2nds says not to usa cash loans do this but it seems I probably have no choice. Contact me immediately in regards to this topic, I have helped save more than 30 homes this year with a charged off 2nd lien. Since 2007, the LoanSafe forums have helped millions of homeowners over same day loan 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 stopped paying my 2nd heloc for several years and have been receiving billing statements from them still but I just noticed that 2nd loan is no longer coming out on the three major credit reports. The only way it would re-report or come back to life on your credit report, is if you made another payment, settled the same day loan account, or a judgement was issued against you for the debt. Since 2007, the LoanSafe loan comparisons 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. The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process.

Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. Injunctive relief will be available prior to a foreclosure sale and recovery of damages will be available following a sale. 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 FILE A COMPLAINT IF YOU FEEL YOU ARE BEING MISLEAD BY YOUR MORTGAGE SERVICER OR THEY ARE IN VIOLATION OF THE HOMEOWNER BILL OF RIGHTS! 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.


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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 Is dual tracking prohibited in FL? I am currently in the Wells grinder for a modification, all requested docs submitted and pending review. However, I am facing a foreclosure trial in two days. My attorney and Wells attorney filed a joint motion to continue, but the judge denied the joint motion so it looks like a sales date will be set soon even though we are actively engaged in mediation for a mod. Do you have any hail-mary plays in the playbook on something like this? 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. Hello, I found this website very useful when my first mortgage with Nationstar was modified and I got a HAMP approval back in 2013.

I did same day loan not pay the 2nd mortgage as my house was underwater. Now my house is above payday loans no credit checks no paperwork water and I have been trying to negotiate on my own but never gave them any of my financials. Per MERS the investor for SLS is NY Bank of Mellon. Of course we would like to keep the house, but my question is whether the letter is just a scare tactic or should I start the countdown on a CA foreclosure. Any other advice would be greatly appreciated and I reside in San Diego, CA.

I dont know about California, but Im in similiar situation in Michigan.

Have kept paying on the first but not on the second. In Michigan, the 2nd mortgage can foreclose but must also pay off the 1st-so very unlikely. Also, because of bankruptcy in my situation, the second mortgage is trying to enforce a lien, not collect a debt. The debt has been discharged, but of course the lien remains. The only real way the second mortgage can enforce their lien is when the house is sold.

I am in no hurry same day loan to sell and always current on the 1st mortgage. I send them a settlement offer to release loan companies in san antonio the lien once or twice a year and never hear back. If you are current on the 1st, I would not worry about the 2nd starting foreclosure, but then again, Im in Michigan and not California, so I would check the law in your state. I dont know about California, but Im in similiar situation in Michigan.

Have kept paying on the first but not on the second. In Michigan, the 2nd mortgage can foreclose but must also pay off the 1st-so very unlikely. Also, because of bankruptcy in my situation, the second mortgage is trying to enforce a lien, not collect a debt.