Payday loans charleston sc

We figured that too :-( but was hoping they may consider helping us.

I truly appreciate you being honest and trying to help us! 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 HAVE TRIED FOR OVER A YEAR TO GET A LOAN MODIFICATION SO I CAN KEEP MY HOUSE. THEY KEEP GIVING EXCUSES AFTER EXCUSES AND NOT GIVING ME A REASON FOR DENIAL.

WE FILED AGAIN AND THE CASE MANAGER FROM BAC SAID IT WAS DENIED CAUSE IT WAS PAST 12 MONTHS. SHE payday loans in columbus ohio STATED TO TRY FOR THE HAMP PROGRAM BUT I HAVE A FEELING THAT I WILL BE DENIED AGAIN. I ALSO CALLED THE CEO OFFICE AND REQUESTED A NEW CASE MANAGER BECAUSE I DID NOT FEEL THAT SHE WAS BEING HELPFUL OR DOING HER JOB. I HAVE A DAYCARE BUSINESS OUT OF MY HOME AND I HAVE NO WHRE TO GO.

THEY JUST GAVE ME PAPERS FOR FORCLOSURE COURT AND WE HAVE 20 DAYS TO ANSWER. I HAVE TRIED FOR OVER A YEAR TO GET A LOAN MODIFICATION SO I CAN KEEP MY HOUSE. THEY KEEP GIVING EXCUSES AFTER EXCUSES AND NOT GIVING ME A REASON FOR DENIAL. WE FILED AGAIN AND THE CASE MANAGER FROM BAC SAID IT WAS DENIED CAUSE IT WAS PAST 12 MONTHS. SHE STATED TO TRY FOR THE HAMP PROGRAM BUT I HAVE A FEELING THAT I WILL BE DENIED AGAIN.

I ALSO CALLED THE CEO OFFICE AND REQUESTED A NEW CASE MANAGER BECAUSE I DID NOT FEEL THAT SHE WAS BEING HELPFUL OR DOING HER JOB.

I HAVE A DAYCARE BUSINESS OUT OF MY HOME AND I HAVE NO WHRE TO GO. THEY JUST GAVE ME PAPERS FOR FORCLOSURE COURT AND WE HAVE 20 DAYS TO ANSWER.

Attorneys are useless with the modification process and you might as well throw your money out the window. The help is free and if you have that type of income and monthly payment have you thought about going through a FREE service instead? It sounds as though you have an FHA loan, is this correct? If you do have an FHA loan you can go through HUD, they would have the latest information about the process through FHA.


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FHA recently implemented changes that would help you if the reason for denial was due to the fact that you are more than 12 months past due and if you do have an FHA loan. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of loans bad credit rating providing legal advice. Most payday loans charleston sc 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 Hi Cat and Michael, We were told by BofA we were not able to be modified. Can you let me know how they are calculating the ratios?

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 OK, gotcha.

Which would be more successful in escalating my file to underwriting?? Which would be more successful in escalating my file to underwriting?? 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 payday loans direct lenders no credit check 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 3 month payday loans no credit check 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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Please Read our Privacy Policy and Legal Disclaimer Hi Cat and Michael, We were told by BofA we were not able to be modified.

Can you let me know how they are calculating the ratios? Try contacting Michael directly and payday loans charleston sc he should be able to go over your figures in detail and let you know where the issue lies. He can be reached here 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 I received a denial as well for the DOJ modification - saying my housing was affordable under the payment. Or, if you feel we should start a new thread, please move accordingly. We were offered two in-house mods during this period both of payday loans charleston sc which just put what we owed on the backend, causing our payments to increase. This was after we filed Ch 7 bk because our sale date was 2 days away and although they said they put in for a postponement, we got nervous and filed. We are sitting on pins and needles waiting for a new sale date. We did not affirm the house but would like to stay if possible.

The person who helped with DOJ mod said we can go back to him after our discharge to try again. But, with so much overage, is it even worth it to try to modify anymore? Or, should we just pack our things and wait till they give us a new sale date and move to a rental? Any advice anyone can give will be much appreciated! What percentage are we or should we have to be considered for the DOJ or any other mod? Or, if you payday loans charleston sc feel we easyloan should start a new thread, please move accordingly.

We were offered two in-house mods during this period both of which just put what we owed on the backend, causing our payments to increase.

This was after we filed Ch 7 bk because our sale date was 2 days away and although they said they put in for a postponement, we got nervous and filed.

We are sitting on pins and needles waiting for a new sale date.

We did not affirm the house but would like to stay if possible. The person who helped with DOJ very bad credit payday loans mod payday loans charleston sc said we can go back to him after our discharge to try again. But, instant payout loans with so much overage, is it even worth it to try to modify anymore? Or, should we just pack our things and wait till they give us a new sale date and move to a rental?

Any advice anyone can give will be much appreciated! What percentage are we or should we have to be considered for the DOJ or any other mod? It also includes any escrow payment shortage amounts that are subject to a repayment plan. The monthly mortgage payment does not include mortgage insurance premium payments or payments due to holders of subordinate liens. If a borrower being considered for HAMP Tier 2 has a modified DTI ratio that is outside the Acceptable DTI Range, the borrower is not eligible for HAMP and the payday loans charleston sc payday loans charleston sc servicer must send the borrower a Non-Approval Notice, and consider the borrower for alternative loss mitigation options. 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.