Personal loans for no credit history
Then, we started getting letters for the landlord, here. Finally- well, we got the letter where the bank was like Uh, this house is being foreclosed on. At that point, we were still paying rent and still had a long lease. I told her that we needed proof of ownership and she calls me ranting and raving- I mean, she actually sounded drunk, so I hung up on her. Foreclosure sale came and went- no one bought the place. I may have also indicated a few of the issues with the place and by may have- I totally did. We really do not have the money to move at this point due to my being out of work for a stretch of that. I have been looking for a place, and trying to call the bank- but they will never talk to me. Call the payday loan company attorneys handling the thing- they never return my calls. Right now, I guess the plan is saving up more money and trying to get out as soon as possible but, are there any other options? If I were you, I would search the county recorder online for the property address tp see who the true owner is. Hopefully you did not get conned by someone who has no legal right to lease it to you. If is a legit lease, then you may be protected under a federal law called the Protecting Tenants at Foreclosure Act.
This law may give you the right to finish the lease with the new owner personal loans for no credit history bad credit personal loan lenders direct becomes her new landlord or give you ninety days written notice to vacate. 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.
Landlords are also required in many states to keep their properties up to a certain standard, and if yours did not, you might have some avenue there too. It was highly suspicious- so, yeah, I made sure I checked, too. I was a little confused about the Protecting Tenants at Foreclosure Act because, I have read in some places that it was allowed to expire in 2014?
As far as filing relief from stay, I think it depends how backlogged their BK dept is and where are the radar you sit. I was 12 months in arrears on postpetition payments (not consecutive months). When Hurricane Sandy hit here, it just seemed like one thing after another. I always had the intention to catch up or send a little extra, it just never happened. At the 12 month mark of delinquency is when they filed for relief from the stay (I was paying pre-petition arrearage through my plan). As far as an accounting of the loan, there is a document the trustee will send the bank as you get close to discharge (probably around 4-5 months out) that they need to fill out so the trustee is sure that upon discharge you are starting out with all arrearages and charges paid. You can also ask for an accounting of your loan at any time. I finally gained online access to my account when my attorney sent the bank the authorization form allowing them to speak with me directly.
In my case, I ended up converting to Chapt 7 after the stay was lifted with the hope of getting a modification. Luckily, I was approved for a modification (trial period, HAMP 2) about 2 weeks prior to my chapt 7 discharge. Depending how much longer you have in your plan, you could also just put aside a little money each month so that if they do file for relief or when you accumulate the full payment you can just send it in. I was thinking of adding to the payment thus accumulating funds in the suspense account until a full payment was available to apply. The problem is that would not likely be counted as a full payment by the new form our district has adopted to conform payments to the BK13 judge. The new form has the date due vs the date made rather than the old form where the number of payments regardless of date while in the 13 was all that was needed. Just to add to the frustration I am on workers comp and the wife does not get paid in the summer so these months are tough for us.
Native american loans
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. Freddie Mac investor, US Bank servicer - that is how it has always been.
Immediately thereafter, US Bank contacts me regarding applying for a modification, but refused to give me one prior to the FC.
Supposedly, mod is currently under review in underwriting. My attorney is doing an adversarial proceeding in the Chap 13. Then, instead of them releasing the requested documents to my personal loans for no credit history attorney, they send a letter in late June directing my attorney to contact Bank of America (BoA) with this request. Also, on a side note, as of June, 2013, credit report shows zero mortgage balance reported by US Bank.
I am currently awaiting some response from BoA, but totally confused as to what they have to do with any of this. Also, US Bank, nor BoA, has filed a proof of claim in my BK. Then, instead of them releasing the requested documents to my attorney, they send a letter in late June directing my attorney to personal loans for no credit history contact Bank of America (BoA) with this request. Also, on a side note, as of June, 2013, credit report shows zero mortgage balance reported by US Bank. I am currently awaiting some response from BoA, but totally confused as to what they have to do with any of this. Also, US Bank, nor BoA, has filed a proof of claim in my BK. It sounds like US Bank is in the process of transferring your mortgage over to BofA and you should have been sent a letter informing you of the transfer. There is no other reason why they would have you contact BofA unless they are acquiring the bad credit pay day loan account, even if BofA was the investor they would NOT suggest you contact them about the modification.
Apply Online and Get up to $5000 in 5 Minutes!GreenLightCash