Interest free personal loan

Anyone have any templates of next day loans bad credit something like that they would recommend? The daily calls from 21st were getting annoying, so I blocked their number on my cell. We live in Texas now and are renting out our Florida house. Our property values in our old neighborhood are still terrible and we are easily 50K underwater on our first mortgage).

Still no communication from 21st, but something interesting did happen.

They (21st) pulled my credit at the beginning of this month.

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. Valuation issues: Online estimates says about 415K, jumped up 20K in the past month. House needs foundation repair, new roof, mold remediation, and numerous other repairs just to be a small 1960s rancher with no updates.

The house will most likely go into foreclosure or short sale and would be bought by an investor who would tear it down, split the property into two lots, build two houses, just like every other older property in my neighborhood.

Equity loan was discharged and passed time limit to take any action, but they still hold a lien on the property. Ex refinanced to include his debt (motorcycle and credit) shortly after. I easy quick loans was able to pay the 1st mortgage until about 2015. I tried a business but failed and have been unable to find work. It is possible, with my new income, to do a loan modification on the 1st mortgage but I would need the lien released first. Wells Fargo was about to foreclose but the loan is in COVID forbearance for up to a year so I have about that long for a settlement. It would be like buying a 370K lot in an area where you can get waterfront for that. Valuation issues: Online estimates says about 415K, jumped up 20K in the past month. House needs foundation repair, new roof, mold remediation, and numerous other repairs just to be a small 1960s rancher with no updates.

The house will most likely go into foreclosure or short sale and would be bought by an investor who would tear it down, split the property into two lots, build two houses, just like every other older property in my neighborhood.

Equity loan was discharged and passed time limit to take any action, but they still hold a lien on the property. Ex refinanced to include his debt (motorcycle and credit) shortly after. I was able to pay the 1st mortgage until about 2015. I tried a business but failed and have been unable to find work. It interest free personal loan is possible, with my new income, to do a loan modification on the 1st mortgage but I would need the lien released first.


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Wells Fargo was about to foreclose but the loan is in COVID forbearance for up to a year so I have about that long for a settlement. It would be like buying a 370K lot in an area where you can get waterfront for that.

Were both the first and second mortgage included in the bankruptcy and discharged? If they were, you are under no legal obligation for the debt. Count your blessings for living rent free for five years and use the money you should have saved during that time to purchase another house. Were both the first and second mortgage included in the bankruptcy and discharged?

If they were, you are under no legal obligation for the debt. Count your blessings for living rent free for five years and use the money you should have saved during that time to purchase another house. The 1st mortgage company sent a letter last month saying I needed to make a 170K payment or they would start foreclosure. The house also has a basement apartment that can be used for income if needed - I used to run a childcare or I could use it as a rental. Rentals in this area are higher than the 1st mortgage. So if I could modify the loan, get help fixing things, reopen the day care or rent interest free personal loan the room, I could get back on my feet and could be with my kids. The 1st mortgage company sent a letter last month saying I needed to make a 170K payment or they would start foreclosure.

The interest free personal loan house also has a basement apartment that can be used for income if needed - I used to run a childcare or I could use it as a rental. Rentals in this area are higher than the 1st mortgage. So if I could modify the loan, get help fixing things, reopen the day care or rent the room, I could get back on my feet and could be with my kids.

Verify who holds the lien and offer a settlement to them.

One other thing you could do is file bankruptcy yourself.

You said your ex did but you didnt and your name is still on the mortgage. If you dont file bankruptcy, you will still be legally responsible for the balance. Even if the bank sells your home, you will be responsible for the differance without bankruptcy protection. 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. My health insurance company refused to pay the bills associated with a medical emergency. 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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Due to financial hardship and my home being way underwater I am about 10 months behind on my 2nd. I got a modification on the 1st last year, am current on that. On my last statement from them I saw a charge for an appraisal.

I went online to print off tax forms tonight and found my account has been closed. The last statement from them was 2 months ago, no more communication from them.

Due to financial hardship and my home being way underwater I am about 10 months behind on my 2nd. I got a modification on the 1st last year, am current on that. On my last statement from them I saw a charge for an appraisal. I went online to print off tax forms tonight and found my account has been closed. The last statement from them was 2 months ago, no more communication from them. Hello ShadowG, the account may show as closed because the lender has charged off the loan for accounting purposes.

If so, they may sell the debt to a collector, and you may be able to offer a settlement amount of anywhere from 2 percent on up.... Due to financial hardship and my home being way underwater I am about 10 months behind on my 2nd.

I got a modification on the 1st last year, am current on that. On loans for bad credit in va my last statement from them I saw a charge for an appraisal.

I went online to print off tax forms tonight and found my account has been closed. The last statement from them was 2 months ago, no more communication from them. Nothing more has happened on this, about a year ago Real time solutions must have got the loan and we started getting bills from them. I talked with them once and told them I would call them, after that no contact other than monthly statements.

I was just looking at my annual credit report and saw them listed with the account Closed just the past month citing discharged in bankruptcy. I am assuming a lien would still be on the property? By chance, do you know if the loan 15 minute payday loans has been charged off? I feel like it was - when your account started saying closed on your credit report. When you receive monthly statements - is interest accruing? The good news is its been 2 years and no real collection efforts. Im going on 8 years with little or no collection efforts. However, my lowest rate personal loan 1st and 2nd were discharged and not re-affirmed. I have continued to make payments on the 1st, but stopped making payments on the 2nd after bankruptcy.

Yearly I would check my credit report, and the accounts always said something like charged off closed , released in bankruptcy, etc...

If any of your other debts were discharged in bankruptcy, dont worry about those.


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The bankruptcy releases you from owing the balance-yes there is still a lien,but you cant be sued for the balance.

Re-affirming the loan just made you liable for the balance again. In other words, the bankruptcy wiped out the debt, but not the lien. By chance, do you know interest free personal loan if the loan has been charged off? I feel like it was - when your account started saying closed on your credit report. When you receive monthly statements - is interest accruing? No- have not seen Charged off , and no, no interest was accruing. They went from trying to collect the past due balance to trying to collect the full balance in the matter of about 6 months when real time started sending statements. No- have not seen Charged off , and no, no interest was accruing. They went from trying to collect the past due balance to trying to collect the full balance in the matter of about 6 months when real time started sending statements.

Why would they list it that way in my credit report and then start sending statements again?

I would love to get the 2nd lien off the books to free me up for refinances or whatever down the road. I would recommend checking the status of the 2nd lien on credit. Since it was reaffirmed it should show on the report. The charge off date will determine which products may or may not be available.

I always provide a service for our clients here at Loan Safe that are trying to improve their credit for free (in hopes they will come back to me for a loan in the near future). We have an amazing simulator that shows exactly what you need to do to improve your credit. Feel free to check it out (not sure if it will allow me, trying now). 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. We have continued to have no contact with 21st, and no longer receive the NOD letters on a monthly basis.

I received one phone call, as well as an email, in January, but other than that only notices of default.

At this point we are considering attempting a short sale. I still have the first settlement offer letter from GMAC (asking 33k) and cash advance columbia sc we were so glad things were headed in that direction.

It sounds like 21st is going to be out a large amount of money and it would be in their best interest to either settle with you or foreclose on the property.