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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 loans for low income families 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 So even after they file a 1099C, take a Capitol loss and receive a tax break for the entire amount of the loan, and I have to claim that same amount as income and therefore incur a tax consequence, they do not have to release the lien? Correct because a bankruptcy releases personal liability only from the discharged debt, but they still hold an interest in the property via their original lien. They are under no legal obligation to release the lien. The only way to get it removed is to ask, or to file a motion to avoid the lien in which you will ask the courts to formally remove the lien on the property. 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 account now payday loans site are the opinions of the individual author and no credit checks loans may not reflect the opinions of the firm or any individual attorney.

A lien means they still have rights against property. The discharged debt is only against you personally. Maybe this is just a way to make you pay one way or another. The comments by me and the materials available at this web site are for informational purposes only and not for the cash loans fast 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 payday loan online lenders any bad credit loans 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.


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It kind of depends on the bank and whatever they want to do. They do it because they receive a dollar for dollar benefit from pay day loan direct lenders the government. CitiMortgage held the 2nd on my home and was subsequently crammed down to a non-secured creditor. Fast forward to 2012- I applied for a modification for the 2nd and much to my surprise the loan was extinguished. I was still in my bankruptcy at the time no credit check unsecured loans so I assumed that Citi would withdraw their claim. And subsequently, cashed a payment from the trustee that they were not entitled to.

Beware of CitiMortgage, one hand does not know or care to inquire what the other hand is doing.

Hamp will not intercede nor will the Trustee who is supposed to ensure that legitimate creditors are paid. My biggest nightmare is that I will be sued despite having solid evidence that the second was forgiven.

And lastly, what ethical business cashes a check when no credit checks loans there is no balance. This company has caused me so much grief -representatives lie and are down right nasty! Update: After several attempts to request a full reconveyance for my 2nd mortgage I decided to retain a real property attorney. It is not cheap so I would suggest this unless you have no other choice. However, in my situation I had no other choice since Citibank is impossible to deal with. They lie, cheat, steal and then try to make you feel responsible. He told them they had 30 days to respond or we would have to file a legal action against them. After they told me multiple times in writing that the 1099c had nothing to do with the deed of trust. Obviously, someone with some common finally made the right decision. Update: After several attempts to request a full reconveyance for my 2nd mortgage I decided to retain a real property attorney. It is not cheap so I would suggest this unless you have no other choice. However, in my situation I had no other choice since Citibank is impossible to deal with.

They lie, cheat, steal and then try to make you feel responsible. He told them they had 30 days to respond or we would have to file a legal action against them. After they told me multiple times in writing that the 1099c had nothing to do with the deed of trust. Obviously, someone with some common finally made the right decision.


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You are absolutely on point-I see that I must get an attorney and file suit. Citi will not play fair-they lie and in my case steal.

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. I want to talk to Citimortgage to re-negotiate my interest only loan which is coming due for full principal and interest payments in a few months. Does anyone have the latest Executive team contact information for Citimortgage? They used to help here on LoanSafe and even had their own website for struggling homeowners, but have since taken it down. Citi Mortgage executives seem as if they do not want to be bothered. This is the same MO almost that all mortgage servicer and lenders take. 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. On the advice of our accountant, and payday loans 100 acceptance also went along with what was posted here, we walked away from our HELOC at CitiMortgage. My heart stopped - I thought perhaps they were pursuing foreclosure as our property value has increased somewhat. It goes on to say the lien will be released, and we may be required to report this amount as income on our tax return.

Obviously we will be contacting our accountant, but does anyone have any experience with this? Im in similair situation , but my second mortgage with citi was discharged in Chapter 7. Your accountant can tell you more about what you can use to reduce your income, but generally, the expense needs to be in the year no credit checks loans it was incurred.


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Your credit prob wont get any worse since it already shows up as a charge off. You prob cant pay it, but contact IRS and work out a payment plan. Yes, you can have write-offs, but they will need to be documented and provable. 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 no credit checks loans 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 Part II - The Mortgage Satisfaction Letter arrived today! Would that mean I have a whole year to plan for this 1099? I thought if it came at all, it would be dated year cash advance locations end 2017 and we would receive the 1099 for 2017. I sent a copy to loan companies for bad credit no brokers my lawyer and she said it looks like a valid mortgage satisfaction.

I got one at Christmas time around 2013, just after we filed BK.

Of course the 2nd mortgage could not contact us as the 2nd was discharged in BK, however we knew that they could foreclose if they wanted to, and like you, this is what we thought they were planning (in our case it was a phone call from the 2nd). I of course called them back to let them know that they would be in trouble for contacting us after BK, but I was going to also give them an FYI that if they wanted to foreclose, they could do what they had to do. Imagine my shock when the Rep no credit checks loans said they were calling to let me know the loan was forgiven and papers would be sent shortly! I got one at Christmas time around 2013, just after we filed BK. Of course the 2nd mortgage could not contact us as the 2nd was discharged in BK, however we knew that they could foreclose if they wanted to, and like you, this is what we thought they were planning (in our case it was a phone call from the 2nd).