Best rate personal loan

Is this the kind of stuff I see appear and then it disappears due to filters? And best rate personal loan you can probably search for Hard Money lenders in your area, and do some checking on them, and their loan amounts as well. 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 no fee payday loans opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Part of the paperwork says they can change the loan terms, as well as add fees at various times and you agree to this in writing. Is this the kind of stuff I see appear and then it disappears due to filters? I handle much of what is going on with the forum on a daily basis. I have edited a post above to remove a portion where I saw marketing being pushed to a hard money lender. That is not allowed here and it has been taken down. Please let us know if there is anything else we can do to help. You would need a hard money loan (private investors) and most lenders that do them have a minimum amount best rate personal loan they will lend, and rate and term. 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 have a 2nd mortgage that was opened up approx 10 years ago. I filed for bankruptcy and thought it was taken care of.

Well I am trying to refinance my home and their is a Lein on my property from Bank of America.

I contacted them and they said they took over the load from countrywide.

I explained I filed for bankruptcy and then said I would have to pay it off to remove the lein.

I have sent them all the info from my insurance company but still will not remove the insurance fees.

They said I should have sent them my insurance info each year. I tried explaining I had no clue they took payday loan guaranteed over the account from countrywide and never got a call from them. I filed for bankruptcy and thought it was taken care of. Well I am trying to refinance my home and their is a Lein on my property from Bank of America.

I contacted them and they said they took over the load from countrywide. I explained I filed for bankruptcy and then said I would have to pay it off to remove the lein. I have sent them all the info from my insurance company but still will not remove the insurance fees. They said I should have sent them my insurance info each year. I tried explaining I had no clue they took over the account from countrywide and never got best rate personal loan a call from them. You are no longer legally liable for the debt, but the bank still has a lien on the property and that lien must be settled or released if you want to sell or refinance. However, you certainly can still negotiate a settlement. The bad news is they know you want to refinance, so probably wont be as willing to accept a low offer. Next, since this was discharged in bankruptcy, they legally cant talk to you about collecting the debt.

This loan has fully reached interest maturity at the 4. Obviously, looking back it was my negligence, I was young when filling for the BK and renegotiating the loan modification, I just wanted to keep my home. I guess I did not understand the full terms of what was going on and that this loan was included in holiday loans for bad credit the BK7 but the lender lien would remain on home. Years back, I remember Real Time Solutions calling me to make a settlement offer, and I was skeptical since I never heard of them and could not find them online. I was receiving form creditors I wanted them to mail me everything in writing. I only received a statement, which did not justify anything for me to understand their hold on the home and I was sure that this was in my BK 7 and discarded. I only receive something in the mail from them (statement) about every 6 months.

I had a title company do a search and I guess there are 2 liens on the home.

I cannot afford another payment, my expenses are maxed out to the limit, I recently just had a baby. I have read best rate personal loan time is my friend, well, there has definitely been enough time lapsed, per Michigan law this has reached the statue of limitation. Since there is interest does this me they own the loan and it was not just sent to Real Time Solutions from BOA for collections? Do not call and let them know communication is only by letter. Make the letter short and sweet- stick to the facts.

Im in Michigan also, and there is no time limit on property liens. There is a 6 year statue of limitations on debt, but your debt doesnt exist anymore.

I wouldnt hire an attorney until after a settlement is reached. They can only take the equity if they pay off the first mortgage holder. Then they own the house and can do whatever they want. However, you could argue since there is no debt, its simply a lien that they hold, not a loan. When they acquired the lien, they paid a certain amount based on the discharged loan balance.

You can do a free search at your county register of deeds to verify this. Stay current on your 1st mortgage and you will probably never hear from RTS. However, the lien will need to be released at some point. If you are trying to sell , it certainly will need to be settled. If you are in no hurry to sell, I would just wait it. Contact them once or twice a year and wait for thier reply. Do not call and let them know communication is only by letter. Make the letter short and sweet- stick to the facts. Im in Michigan also, and there is no time limit on property liens. There is a 6 year statue of limitations on debt, but your debt doesnt exist anymore. I wouldnt hire an attorney until after a settlement is reached. They can only take the equity if they pay off the first mortgage holder. Then they own the house and can do whatever they want. However, you could argue since there is no debt, its simply a lien that they hold, not a loan.

When they acquired the lien, they paid a certain amount based on the discharged loan balance. You can do a free search at your county register of deeds to verify this. Stay current on your 1st mortgage and you will probably best rate personal loan never hear from RTS. However, the lien will need to be released at some point. If you are trying to sell , it certainly will need to be settled. If you are in no hurry to sell, I would just wait it. Contact them once or twice a year and bad credit loan direct lender best rate personal loan wait for thier reply. I do not intend to sell the property any time soon, but at some point I will have the 1st loan paid off and I do not want them to be able to foreclose. Are there samples within this form available to view? Liens do payday loans online direct lender best rate personal loan only expire (eventually) and you could strip the lien once your states SOL runs. Liens do expire (eventually) and you could strip the lien once your states SOL runs. From my research a SOL only restricts collectors from contacting you, it does not release the lien on the home. Since this amount was included and discharged in my BK they cannot attempt to collect.


Loans for no credit

Michigan may have different rules but eventually the lien becomes unenforceable. It will remain with the property until it is removed.

This is usually done by a mortgage satisfaction, when payoff the balance - but in your case, there is nothing to pay. I would contact a RE lawyer since the SOL is 6 years (for BK7) or 10 years for non-payment in Michigan. They legally cannot come after you for the what is a cash advance balance but could try and foreclose - but you have a valid foreclosure defense in the SOL. But again - if you are not planning on selling or doing a refi - why the need to contact them and start a settlement process? Once you decide to sell, you could strip the lien via a court filing. My questions are Liens on property- at this point I am not even sure who appears on property for lien is it RTR or AWL(original lender)—how can I pull title on property to verify liens?

Doing some reasearch on web about RTR and BofA I ran across an article where in July of 2018 a cash personal loans class action suit was filed in orange county california direct loan companies where B of A was sued over countrywides 2nd mortages and RTR was also named as a defendant in lawsuit-I cant seem to find any details or related articles about this law suit-does anyone have any info on this or know where I can find info?

Is it best to talk to either real estate attorney or bk attorney to discuss 2nd before re-fi?

I do have equity in property dont want to raise any red flags to where I can potentially lose my home because of not paying on 2nd mortgage.... When they do the title search, they will come across the 2nd lien and that will need to be taken care of. You could reach out to a RE lawyer to find out what the SOL is CA.

The BK7 gives you more leverage as technically there is no mortgage and they do lose the ability to enforce the lien at some point. Each state is different but the SOL will come into play at some point. From my research a SOL only restricts collectors from contacting you, it does not release the lien on the home. Since this amount was included and discharged in my BK they cannot attempt to collect.