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The banks(and Fannie) made money off of the foreclosures, they get the house and then the greedy sociopathic frauds that they are start coming after for more from people who make an average income.... In PA also and probably will be in the same boat after they finally take the house. If I understand this correctly even if FM does not go for a deficiency judgement, they will try to recover the deficiency amount through Strategic Recovery or some other entity? Are the rights to collect the debt sold to this other entity, and if so are they the one who will attempt to seek a judgement based on what? When I read that in PA cash advance hours they only have six months to file for a deficiency judgement I was hopefully that i might be able to get through this without filing BK, but now not so sure. At this point Lender has gone to court to make the case that bad credit private lenders you are in default on your loan. The amount of the default judgement will be for the balance of the loan when they first notiified you, plus interest through the anticipated date of the sheriffs sale, plus all legal fees and the cost of the sheriffs sale. The bank will be at the sale to make sure that the home does not fall into the hands of a third party for less than they are owed.

The only legal way to do this in Pa is to go before the court a second time, (with all new notices to you) and seek the amount they feel is due them.

At this point they need to establish the value of the home, and apply that to the amount owed, then add fees etc.

You should grab an attorney quickly to watch over your rights. To state all this another way,,, the default judgement only says the total you owe them at the time of the sheriffs sale, it does not include the value of the home. Overall you do not owe them the amount of the judgement, you owe them the amount of the judgement less the value of the home. If Fannie Mae, or Strategic Recovery Group try to quick loans online no credit check circumvent this proceedure, they would be fraudulently colecting a debt, and they will get nailed. These loans are sold to Stategic by Fannie as fannie knows the person foreclosed on has no money and to collect is probably not affordable to fannie. So, fannie sells the debt to a collector for pennies on the dollar and the junk debt buyer goes after the person. Most do not have money to hire an attorney, so they settle. They do not realize, that first the debt collector must have a license within the state it collects and if it does not it is in violation of the Fair debt and collections act.

It is a sad deal what these crooks are allowed to do, but they are only allowed to do what they do as nobody challenges it. These loans are sold to Stategic by Fannie as fannie knows the person foreclosed on has no money and to collect is probably not affordable to fannie. So, fannie sells the debt to a collector for pennies on the dollar and the junk debt buyer goes after the person. Most do not have money to hire an attorney, so they settle. They do not realize, that first the debt collector must have a license within the state it collects and if it does not it is in violation of the Fair debt and collections act. It is a sad deal what these crooks are allowed to do, but they are only allowed to do what they do as nobody challenges it. I am still months away from foreclosure, actually should be scheduled for a conference soon.

House 100K underwater according to a couple of real estate people I talked with. When a default happens on any loan a collection can occur pursuant check cash advance hours cash advance to the law.

In your case they made money on the house technically, unless you had a second on it. The money made does give you credit is you have a second. If you had a second on the loan, then if is collectable. IF you did not have a second and loan was a first and property sold for more that what was owed on it then you own nothing.

Be advised that even though you are in a redemption period under your state law and a foreclosure sale occurred then any debt in default as a result would be collectable. Your lawyer should know this and send them a letter that you owe nothing, unless like I say you have a second. The problem is with most lawyers is they take a retainer and leave you hanging and sometime wait until the very last minute to do something, even though you wanted something different. He did not do anything and I promptly went back using the laws of my state of which I quoted and got my money back. Case in point you hired the lawyer make him work or fire him. When a default happens on any loan a collection can occur pursuant to the law. In your case they made money cash advance hours on the house technically, unless you had a second on it. The money made does NOT give you credit if you have a second.

If you had a second on the loan, then if is collectable.

IF you did not have a second and loan was a first and property sold for more that what was owed on it then you own nothing. Be advised that even though you are in a redemption period under your state law and a foreclosure sale occurred then any debt in default as a result would be collectable. Your lawyer should know this and send them a letter that you owe nothing, unless like I say you have a second.

The problem is loans unsecured with most lawyers is they take a retainer and leave you hanging and sometime wait until the very last minute to do something, even though you wanted something different. He did not do anything and I promptly went back using the laws of my state of which I quoted and got my money back. Case in point you hired the lawyer make him work or fire him. When a default happens on any loan a collection can occur pursuant to the law. In your case they made money on the house technically, unless you had a second on it. The money made does NOT give you credit if you have a second. If you had a second on the loan, then if is collectable. IF you did not have a second and loan was a first and property sold for more that what was owed on it then you own nothing.

Be advised that even though you are in a redemption period under your state law and a foreclosure sale occurred then any debt in default as a result would be collectable. Your lawyer should know this and send them a letter that you owe nothing, unless like I say you have a second. The problem is with most lawyers is they take a cash advance hours retainer and leave you hanging and sometime wait until the very last minute to do something, even though you wanted something different. He did not do anything and I promptly went back using the laws of my state of which I quoted and got my money back. Case in point you hired the lawyer make him work or fire him.

I guess this is all going to be a huge learning lesson, one way or another. Pellenga: I also have a second with them and would like to settle it and get it over with. The house foreclosed a few years ago and its just hanging there. Pellenga: I also have a second with them and would like to settle it and get it over with.

The house foreclosed a few years ago and its just hanging there. I called them and found out that we have a desinated case manager.

No one else will talk to us, they redirect us to her. I explained to her that not only are we married but I was added as a authorized person on the loan several months ago. I have the experience in negotiation much more than he does. We both really want them to work with me on the deal. These loans are sold to Stategic by Fannie as fannie knows the person foreclosed on has no money and to collect is probably not affordable to fannie. So, cash advance hours fannie sells the debt to a collector for pennies on the dollar and the junk debt buyer goes after cash advance hours the person. Most do not have money to hire an attorney, so they settle. They do not realize, that first the debt collector must have a license within the state it collects and if it does not it is in violation of the Fair debt and collections act.

It is a sad deal what these crooks are allowed to do, but they are only allowed to do what they do as nobody challenges it. However, these are some people that played their cards right in this whole mortgage game. Once a person lets their home go, and is done fighting the nasty battle, they are typcially in a better financial position then they were before the foreclosure. If total is not satisfied they have the right to GO BACK TO COURT AGAIN in a separate matter and ask the judge to give them extra money. Months have gone by without hearing anything else from them, and I start to look for and get turned down for another loan(s).

I get a copy of my credit report and find that in Feb. I decide to call the guy on the authorization letter from Fannie Mae. After telling him I was not satisfied and was going to pursue things elsewhere, he easy loan site reviews started asking if I had any kind of hardship, eventually he said he would call Clearsprings and get the issue removed from my credit report and issue a 1099c. I, too, have been getting letters from Strategic Recovery Group after a Fannie Mae Foreclosure. However, there is no mention of judgment of any kind in the letter simply a deficiency. I can only assume the next one will be even less generous. If I had money, I would have been paying my mortgage and cash loans never would have had to foreclose...

If total is not satisfied they have the right to GO BACK TO COURT AGAIN in a separate matter and ask the judge to give them extra money. Months have gone by without hearing anything else from them, and I start to look for and get turned down for another loan(s). I get a copy of my credit report and find that in Feb.

I decide to call the guy on the authorization letter from Fannie Mae. After telling him I was not satisfied and was going to pursue things elsewhere, he started asking if I had any kind of hardship, eventually he said he would call Clearsprings and get the issue removed from my credit report and issue a 1099c. I re-read the thread last nite before posting, including your responses to see if I had missed anything, or was misunderstanding anything. I think you are wrong on your conclusion because one block in your foundation is misplaced. However, how a contract is enforced varies from state to state. You are correct that the debt was owed, however, you are forgetting that the debt was secured by an asset.