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As Erik pointed out, the lender has the right to foreclose and now that properties are going up in value homeowners who decided to simply ignore their 2nds are, IMO, going to be in for a rude quick online loans awakening. Until the attorney letter, we never received one thing from them. They do have a website and also do business as a real bad credit payday loans no fees estate company. 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 Thanks everyone for chiming in, for the past few days I have been trying to get as much rest as possible from breaking my foot. The advice everyone has given is exactly what I would have recommended. We too have received a notice from this company West Coast Servicing for our second.

This after trying to mod the loan with GMAC almost 10 years ago to no avail. Have you seen them initiate any type of foreclosure activity?

Erik my second has fallen off my credit report and is it been 1o years since my last payment. Not necessarily, you would have received a notice that the loan was charged off. I would check with title to see if this lien is affecting title. Have you seen them initiate any type of foreclosure activity? Have you seen them initiate any type of foreclosure activity?

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.

Can the lender foreclose on me if I am making payments but the market value of the home increases to the point my loan is no longer underwater? 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. 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.


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We have been paying and staying after a chapter 7 discharge in 2010. We now have a new mortgage servicer that calls on day 3 Asking what our intention is with the property and when we are paying? Are they violating our bankruptcy discharge by contacting us to collect?

Or since we pay and stay do they have the right to call? Payment is always made within the 15 day grace period. Just curious as out old servicer NEVER contacted us at all. You could inform them that it has been discharged in bankruptcy and any call to collect is improper: to be fair, it is possible (just slightly) they may not be aware. If they persist, then just inform the lawyer who handled your BK.

My suspicion (yes, I cash loans to your door cash loans to your door have cash time loans grown a suspicious and cynical nature after many years of life experience) is they would cash loans to your door like to trick you into a reaffirmation of some sort, putting you back on the hook. Are you sure it is just a servicer and not some group of investors who bought your old mortgage? During your bankruptcy, there was a stay on the foreclosure. The holder has to go through court procedure to get the stay lifted and, if they do, can continue with the foreclosure since they still have a lien on the property, even though the debt (note) has been discharged. So, they might just want to continue to collect, though formally. You have to decide if you want to stay there or not - in the latter case just stretching it. Otherwise, yes, you can have the house taken out from under you. Fannie did pull a hard credit report on us in April this year. Have signed nothing just paying on time, and of course both mortgages were not re affirmed. So I like the option of if we have to bad credit personal cashmax payday loans loans guaranteed approval go we can go right now because of this shady new servicer. Can they do that even cash loans to your door though we pay on time every month.

Thanks for the info (3) such act is limited to seeking or obtaining periodic payments associated with a valid security interest in lieu of pursuit of in rem relief to enforce the lien. As to your inquiry about the automatic stay, that ended, as it relates to you, upon entry of the Discharge and was replaced with the discharge protection of 11 USC 524. The stay was lifted as against cash loans to your door the property when your Chapter 7 was administratively closed several years ago. If you wish to walk you discharged the underlying money debt and the lenders - both of them - have no recourse but to foreclose. Interesting I just learned something which contradicts other things I have read - I suppose that happens when one makes too many laws.

Interesting I just learned something which contradicts other things I have read - I suppose that happens when one makes too many laws.


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Yes, interpretation is why the courts are in business.

It is improper to try to collect, as the OP called it. You are correct that the creditor can call to assert rights where to get a payday loan to property under state laws. In some states, one can go through a BK and stay in the house or, even keep a car which loan was discharged so long as they keep paying. 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. Can anyone refer me to a good attorney that handles both foreclosure and bankruptcy? 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 Get free mortgage help today.

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. It showed up on the CB right around the time GMAC transferred it to Solace (approx. There were actually 2 articles that I found when I was researching SOL. They are pretty informative and would probably be helpful to many folks on here. 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. Hi moe, My first mortgage was OCWEN and my second one was SLS. WE file BK to stripped the second mortgage which is SLS.

Anyways the second mortgage was stripped from BK13 and I fallow everything what the attorney told me, I went bankcruptcy court to get a stamp certified copy of the document. Then I took the certified copy to the county recorders office. And 4 weeks after that my second mortgage was forever stripped. You need to send them a letter letting them know that you filed for bankruptcy, and the debt is in your list of debts and creditors filed with the bankruptcy court and you do not owe the debt any longer and to stop contacting you. Here is a link to some sample letters from the CFPB.

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 compare the market payday loans of the information you find here is easily available on the internet. You should contact your 24 hour cash advance attorney to obtain advice with respect to any particular issue or problem. The opinions expressed cash loans to your door 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 the second mortgage was stripped from BK13 and I fallow everything what the attorney told me, I went bankcruptcy court to get a stamp certified copy of the document. Then I took the certified copy to the county recorders office. And 4 weeks after that my second mortgage was forever stripped. You need to send them a letter letting them know that you filed for bankruptcy, and the debt is in your list of debts and creditors filed with the bankruptcy court and you do not owe the debt any longer and to stop contacting you. Here is a link to some sample letters from the CFPB. My attorney did this year and half ago he send a letter to them that the second was stripped from my BK13. Thanks again your forum a lot a help to a people like me. 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. 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. Since your loan was discharged in BK, it would behoove you to write a letter to Citi giving them your permission to contact you for the purposes of settlement negotiations. I guess I will find out in January when the trial period is over. Although sending the letter authorizing contact is good, IMHO you should not have made an offer. Do not deal with a 2nd until after your 1st is permanently handled. We have stopped all contact with Citi (2nd mortgage) except for sending a letter giving them permission to contact us for the purpose of settlement. Should I contact Citi Ham Trial Agreements and tell them that I should qualify for a 2MP?