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Should I ask for the note and the securing instrument (did I get that right? So it seems to me that it would be worth asking for evidence of the cash loans in pa note. Should I ask for the note and the securing instrument (did I no credit check loan get that right? Be certain to ask for the full accession number of your file.

Asking for that info is not going to rock the boat in getting approved for a modification. What you will be able to discover on your own, is whether or not your loan servicer even has the authority to modify your loan.

So it seems to me that instant payday loans online direct lenders it would be worth asking for evidence of the note.

Should I ask for the note and the securing instrument (did I get that right? If the lender files suit against you to foreclose, the paperwork must be in order or the Judge will Dismiss without prejudice.

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. Theres a real estate law firm in southern ca asking 5k upfront. Regardless if it is a law firm or not, I have seen countless offers like this over the years where the homeowner loses thousands las vegas cash advance of dollars and gets no real mortgage assistance. 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. I was in your position a while back and checked no credit check loan them out. You probably already know that, but since I was unaware when I was going through the process I thought I would mention it. 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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If the lender files suit against you to foreclose, the paperwork must be in order or the Judge will Dismiss without prejudice. Hi Njhomeowner- If your true intentions are to get a modification then asking for the original note is somewhat of a moot point. Chances are the servicer will not have the original note. Your main goal should be to simply supply the proper documents to your servicer and hope for the mod.

If your not interested in a mod or if your home falls into foreclosure then yes, during the discovery phrase of the case you could request a copy of the original note however I do not believe this is proper strategy,WHY because at some point they will produce the original note and you will lose your case.

During the how to get loan foreclosure hearings your goal should be to get the plaintiffs to produce forged, or fradulent documents to the court, then you challenge those documents. By no credit check loan requesting the plaintiff to produce an original document you are in theory proving there case for them..

Hi Njhomeowner- If your true intentions are to get a modification then asking for the original note is somewhat of a moot point. Chances are the servicer will not have the original note. Your main goal should be to simply supply the proper documents to your servicer no credit check loan and hope for the mod. If your not interested in a mod or if your home falls into foreclosure then yes, during the discovery phrase of the case you could request a copy of the original note however I do not believe this is proper strategy,WHY because at some point they will produce the original note and you will lose your case.

During the foreclosure hearings your goal should be to get the plaintiffs to produce forged, or fradulent documents to the court, then you challenge those documents.

By requesting the plaintiff to produce an original document you are in theory proving there case for them..

Our first and foremost goal is to get a Modification... What I fear is going another six or more months trying to get Modified payday installment loans and then getting a denial and being that much more behind. Aces you have already been through most of the nooks and crannies of the Jersey foreclosure system.


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Just out of curiosity how many attempts did you make at modification and why were you denied??

As far as asking for the note at this point I will hold off as what you say makes total sense... But yes a Permanent Modification is truly where we want to land!! 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(nevada payday loan 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 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 bay water which makes it more unique then the average).... Also if I can get a Mod on the 1st with ASC being the servicer..... We will be offered one for the Heloc with WF, but I may make an no credit check loan 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. 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.


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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 100 dollar loan 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 no credit check loan 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 am able to look for work. The Hardest Hit website does not say this anywhere. Initially my payday loan 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. 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.