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I will most definitely keep everyone posted and I will very much keep in touch with you Aces as you have mountain of Jersey Foreclosure experience to date!!

Hi Njhomeowner- Servicer was AHMSI, I did receive a mod in 08- then again in 2010- both were in-house mods with favorable terms. I am now deciding if I will appeal my foreclosure case in appeals court(Pro Se). Or simply wait and attempt a BK when the time comes. Hi Njhomeowner- Servicer was AHMSI, I did receive a mod in 08- then again in 2010- both were in-house mods www loans online instant loan approval online with monthly payments payday loans com with favorable terms.

I am now deciding if I will appeal my foreclosure case in appeals court(Pro Se).

Or simply wait and attempt a BK when the time comes.

Thanks Aces, we at the moment are not under water but are not very much in the positive zone (maybe a little under depending on the valuation you use) when you count the arrears and Heloc in the totals. But we do very much like our home and really want to keep it ( it is on the water on a lagoon just a couple houses from open loans online with monthly payments bay water which makes it more unique then the average).... Also if I can get a Mod on the 1st with ASC personal loan offers being the servicer..... We will be offered one for the Heloc with WF, but I may make an attempt at settling on the second with WF hopefully putting us in a more positive equity position down the road..... When I first came across LS I figured BK was inevitable for us considering our total Debt picture.... 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.

Learn about the laws and from experts who can direct you in the right direction. Mortgage laws such as the Truth in Lending Act and RESPA can save your home from predatory lenders.

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.

This has been the most stressful time for my family. First, I recently had a kidney transplant, which was major surgery. My wife, had to take family medical leave as I was in the hospital about 3 weeks. My wife has not had an income from her job and all we have is my disability income I was receiving for kidney failure and being on dialysis. We fell behind on our mortgage, now 2 months behind.

Prior to this we had not been late or missed a payment in over 5 years, coincidentally 5 years ago was when my kidneys failed.


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I thought I was being proactive and called Wells Fargo for help. Well, they dragged out things for a month and then denied the modification.

They said if my loans kicked in today that loans online with monthly payments I would not be able to afford a modification and even if it was 3 years down the line that in 3 years I would not be able to afford the mortgage. I was in disbelief they would deny us as we have been on time and good customers of theirs.

I thought I was doing something good by calling them and they have zero compassion and zero understanding on our circumstances. Next, a friend direct me to the Hardest Hit Fund in NC which helps individuals with medical hardships. I applied through a local agency and they called me a few minutes ago saying that they could not submit my application because I have not yet been cleared by the doctors to be able to go to work. They claim they can only submit for medical hardship if I cash advance bakersfield ca am able to look for work.

The Hardest Hit website does not say this anywhere. Initially I loans online with monthly payments called the toll free number here: and was pre-approved to apply. Why this local non profit say I am not is baffling. Are there other options out there to help us keep our home while my wife get back to work and I am able to work again? This process has been disheartening to say the least. This has been the most stressful time for my family. First, I recently had a kidney transplant, which was major surgery.

My wife, had to take family medical leave as I was in the hospital about 3 weeks. My wife has not had an income from her job and all we have is my disability income I was receiving for kidney failure and being on dialysis. We fell behind on our mortgage, now 2 months behind. Prior to this we had not been late or missed a payment in over 5 years, coincidentally 5 years ago was when my kidneys failed.

I thought I was being proactive and called Wells Fargo for help.

Well, they dragged out things for a month and then denied the modification. They said if my loans kicked in today that I would not be able to afford a modification and even if it was 3 years down the line that in 3 years I would not be able to afford the mortgage. I was in disbelief they would deny us as we have been on time and good customers of theirs. I thought I was doing something good by calling them and they have zero compassion and 1000 dollar loan zero understanding on our circumstances. Next, a friend direct me to the Hardest Hit Fund in NC which helps individuals with medical hardships. I applied through a local agency and they called me a few minutes ago saying that they could not submit my application because I have not yet been cleared by the doctors to be able to go to work. They claim they can only submit for medical hardship if I am able to look for work.


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The Hardest Hit website does not say this anywhere. Initially I called the toll free number here: and was pre-approved to apply. Why this local non profit say I am not is baffling.

Are there other options out there to help us keep our home while my wife get back to work and I am able to work again? This process has been disheartening to say the least.

The HHF is for those that are unemployed or underemployed through no fault of their own, which you would definitely be eligible for. Once you found out you were eligible by contacting the NC foreclosure prevention directly, why did you go to another entity for help rather than continue the process directly with the source?

You should definitely submit your information directly online through the NC Foreclosure Prevention site 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 The HHF is for those that are unemployed or underemployed through no fault of their own, which you would definitely be eligible for. Once you found out you were eligible by contacting the NC foreclosure prevention directly, why did you go to another entity for help rather than continue the process directly with the source? You should definitely submit your information directly online through the NC Foreclosure Prevention site Thank you for your reply. I only transferred to this agency because a friend informed me that they just got approved through this same agency and suggested I call them. Fortunately, I called the program directly and they told me that I can submit a new application online which I am going to do today.

I only transferred to this agency because a friend informed me that they just got approved through this same agency and suggested I call them. Fortunately, I called the program directly and they told me that I can submit a new application online which I am going to do today. I am thinking that you will have a much better outcome applying directly for the HHF program. Good Luck and please keep us posted on how it goes.

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 I am thinking that you will have a much better outcome applying directly for the HHF program. Good Luck and please keep us posted on how it goes. Just an update: The HHF did not reject me, however they asked me to reapply in January when the doctors will give a letter saying I can start looking for full time work. The way my drs worded the letter basically read as no full time work until we say so. In the meantime, I need a solution to get me through to January. Wells fargo is not willing to help me out with a modification. Mind you, I have not missed a payment or been late in 6 years. In the meantime, I am trying to keep my stress level down in order to take care of my new kidney. Just an update: The HHF did not reject me, however they asked me to reapply in January when the unsecured loan interest rates doctors will give a letter saying I can start looking for full time work.

The way my drs worded loans online with monthly payments the letter basically read as no full time work until we say so. In the meantime, I need a solution to get me through to January. Wells fargo is not willing to help me out with a modification. Mind you, I have not missed a payment or been late in 6 years.

In the meantime, I am trying to keep my stress level down in order to take care of my new kidney. January is only five weeks away, is there any way the doctor can give a letter with a definitive start date for the purpose of the modification? 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 online loans 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 January is only five weeks away, is there any way the doctor can give a letter with a definitive start date for the purpose of the modification? After going through the process, and having all indications that I would get approved, they denied me. I wish I could leave my wife off the app, however since we file taxes jointly they told me she has to be part of the application. After going through the process, and having all indications that I would get approved, they denied me.