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I started this thread because I thought a different perspective would stimulate valuable debate and it kind of felt like there may have been some misguided hope that this pandemic would indeed parallel the sub-prime crisis. Sub-prime payday loans online direct lenders no credit check was from incredibly complex and multi layered financial imbalances that started in the real estate sector. So, although ultimately it affected many- many were not affected and could never be affected. Coronovirus can affect everyone and anyone, but it is external and it is defined. I see that you are creating multiple user names under the forum acting as if you are different people. Are you saying you are banning us because we have the same IP and Considering we are the same person? For those of us who live in the real world, not payday loans online direct lenders no credit check fantasyland -- this virus is a complete disaster. I just braved the elements this morning to get to a Target store that had restocked overnight. By some miracle, when I got there 10 mins after opening, they still had Hand Sanitizer. I already have some at home, but will have run out if things continue like this for two more weeks. I also purchased more household essentials, and groceries. I told them they could pay half, and we would figure it out in May. No one knows where the bottom of the abyss is, or when things will return to normal.

Certainly not meant to carry my family past a month.

Our mortgages in this state are about what the average married couple will be getting.

Mean while everything is shut down with no end in sight. 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.

It may seem difficult, but I think these tough roads of constant struggles made you strong and skillful, you can use later on- we call wisdom.

Not everyone got a chance to hone their skills, as you do and this forum, your support group. In fairness to Moe, Erick and others who kept this forums for almost 13 years ( as I read Moe in his 1st forum) this empowered everyone, and kept them afloat till now. Given my recent 10-yr of losses and hardships, it opened my eyes, for values such as family, hope and well-being (being at peace with yourself and world around you) are more important to achieve. I only hope that I can bring forth wisdom, I gained to share and prevent others from sufferings.

I can relate about survival as fricking belligerence. I went thru that, but worse, despite having a family, I did not have the guts or too tired to fight, multiple stressors took an extreme toll on my health. It was too debilitating payday loans online direct lenders no credit check that I failed to face my problems head on, and caused me to a downturn spiral.


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I only mentioned this part, to give you sense of gratitude, hope you are in the right place being here. BTW, I payday loa read your issue about recorded documents disappearing from County Recorders office, so I ordered 2006-2013 will let you know when i get it...... I got lots to catch up from my health, family, career and financial tragedy.

Then this coronavirus got us some health scare, given my pre-existing conditions, got me infected and totally changed us 360 degrees.

It seems this interpretation of irresistible superhuman cause has same legal meaning as act of God. It says also that what qualifies as act of God varies by state... While Coronavirus considered irresistible disease to be an act of God, not all disease are treated equally. As a result, the employer who did not pay its employees during this time was excused from performance, i. However SC of Illinois reached the opposite conclusion.

Closure of business was NOT an act of God bec the employer knew govt agencies had authority stock loan to shutdown, and thus employer should have included a provision in the contract excusing performance in event of shutdown. Given payday loans online direct lenders no credit check this, maybe we should tell our servicer to add this provision before we take any forbearance benefit. This blog said we need to review the terms of contract, if pandemics, endemics or shutdowns are referred to as an excuse. Then we have to check if its impossible, due to Coronavirus and govt restrictions, that we can use Code 1511, to not perform contractual obligations. Proper application of the law is a challenge, with all these uncertainties. I wonder why mortgage servicer would make a guideline that forbearance will affect previously modified loans. The banks have taken the past 10 years to prepare for this. One lesson to share with you is not to be complacent.

This may seem ok, with feds pumping trillions to businesses and some loose change to us with these stimulus. There used to be middle Americans, who, like you and me, are well off, just doing the right things. I hope this gives us sense of empathy and set aside our differences, allow our leaders in this forum to set the gps and direct us to our best next actions to take. Thanks We were discussing in our family about how sad and surprisingly fast this happened. Each of those cars lining up for food had a different reason for being there so quickly. Its no doubt a heartbreaking story for most of them. However, we did notice that many of those vehicles looked like they were just driven off the showroom floor at the dealership..... These were even featured in CNN and even CNBC ( normally features stocks, finances). For me, this is insane and inhuman, to not have the freedom to buy your own food and forced to go to these long lines to have anything to eat.


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Whatever that means , i think warning all to be prepared Thanks I feel for your struggles. I applaud all your strengths and salute to your courage. I can resonate to most if not all as I experienced being foreclosed on run around and losses. As of April, the portion of mortgages that changed from on time to 30 days past due spiked to 3. The share of discount cash advance mortgage payments that have changed from current to 30 days past due has spiked from below 1. The usa fast cash 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 As thousands of restaurants, hotels, and local businesses in the U. In just a few months, delinquency rates have already effectively reached their 2012 peaks. To put this in perspective, consider that it took well over two years for mortgage delinquency rates to reach the same historic levels in the aftermath of the housing crisis of 2009. After the 2009 crisis, it took nearly 3 years for commercial mortgage delinquencies to hit record levels. 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 payday loans online direct lenders no credit check and may not reflect the opinions of the firm or any individual attorney. We know what will happen next as most you and I endured. I believe Corona virus came with a purpose for me -so God will not allow to negotiate with terrorist, who claimed to own my silent 2nd. This time we will demand true accountability by Wall street aas well as the homeowners. Maybe there was wrongdoing and that can still be reinstate. IDK but this may facilitate accurate data as to how many loans were really modified, or not, and needing assistance to keep their homes. This could be a long shot as you may think but whoever we want to appeal to and voice our cause, there must be some honest data base our statements. I just browse the proposal on next 2020 Coronavirus assistance to Housing. Moe was initiating to create this group to become the solution. With the extent of this mortgage delinquencies, our stories may have awaken them that somebody did not honor part of the bargain possibility of this continued dishonor and uncertainty have to be stopped.

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To those whose currently looking for work, maybe do this as part time work, since there will be funds available later.

For those who has positive finances, currently working, maybe just volunteer and not get paid initially, to maximize funds to help as many struggling homeowners. Hopefully I can still help with my processing or follow up skills, if needed, I can volunteer. Maybe, given dedicated contributors esp from bagels , you had in the past 13 years, you can start over to lead us all to get united and become a strong powerful VOICE of the millions Voiceless Homeowners and tenants to achieve affordable mortgage, and lantern sustainable housing. BE a PART of a CHANGE , that can improve the lives of others. It validates our sense of pride, that despite being number 1 most infected country in the world and TRIFECTA of Crisis we are facing, Americans are truly UNITED in pursuit of a cause higher than ourselves. The residential and multi-family markets are being artificially held up by moratoriums on mortgages, moratoriums on evictions, and also unemployment benefits giving the millions of the unemployed who own homes more money often then they made on their regular incomes. The fallout will come with residential real estate as time moves forward and people payday loan america with no jobs and failed businesses no longer have the financial wherewithal to bail out their sinking ships. The comments by me and the materials available at this web site are for informational purposes only and compare personal loans 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 My experiences with trying to organize people had me come into contact with organizations that are set up to unite over such issues as NACA.

At one time, we networked with Bruce Marks and NACA and also worked with one another for some time. When I tried to organize people here in the forum it would not work because most people were too enveloped in their own problems and plights or simply too depressed and beaten down to fight back. Economic depressions make people depressed, sad, and unable to stand up and fight while they battle to save what little they have left.