Single mother loans

Please Read our You probably would not qualify for a chapter 13 bankruptcy because you have to be able to afford to pay your creditors over a 5 year period. Mortgage are also often not included in a chapter 13. OK, then you can qualify for a loan modification and you should keep trying to do so. The problem single mother loans get loan is that a loan modification is not mandatory and is a privilege. They know you have equity and they may deny you so they can try and take your home back. 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 single mother loans 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 OK, then you can qualify for a loan modification and you should keep trying to do so. The problem is that a loan modification is not mandatory and is a privilege. They know you have equity and they may deny you so they can try and take your home back. I filed for bankruptcy and my mortgage debt was discharged. I was told I could get a loan modification to prevent foreclosure. I tried to work with Bank of America for 2 years to get a loan modification. I received several installment loan online denials given a different reason each time. BOA filed a Summons and Complaint against me Oct 2013 but did not serve me until May 2014. I received notice from the Judge Nov 2014 that my foreclosure could proceed. In June 2015 I was finally granted a loan modification and the foreclosure stopped. I am now in the same difficult financial situation and cannot make my loan modification payments. Right now I feel just to let it foreclose this time. I would like to know how long I have to reside in my home until BOA forecloses. I was told that because I worked with BOA on a loan modification halted the foreclosure process so it would be shorter time to foreclose and then I was told it could be 3 years since NY is a judicial state.

I have kids and although they are older I really need to know how long I have? I filed for bankruptcy and my mortgage debt was discharged. I was told I could get a loan modification to prevent foreclosure. I tried to work with Bank of America for 2 years to get a loan modification. I received several denials given a different reason each time. BOA filed a Summons and Complaint against me Oct 2013 but did not serve me until May 2014. I received notice from the Judge Nov 2014 that my foreclosure could proceed.

In June 2015 I was finally granted a loan modification and the foreclosure stopped. I am now in the same difficult financial situation and cannot make my loan modification payments. Right now I feel just to let it foreclose this time. I would like to know how long I have to reside in my home until BOA forecloses. I was told that because I worked with BOA on a loan modification halted the foreclosure process so it would be shorter time to foreclose and then I was told it could be 3 years since NY is a judicial state. I have kids and although they are older I really need to know how long I have? 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 single mother loans 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 single mother loans modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Hi my husband and I had a bankruptcy Chapter 7 in August 2014, we got the discharged paper. My 1st mortgage is with Midland Mortgage and they help me to go through the HARP Program , my 2nd mortgage (Equity Loan) we have with cash till payday Bank of America, I have been making my payments to BOFA and last year they single mother loans told me that the loan was charged off because I had a bankruptcy , I did not have not clue what was that in that moment, they said I needed to continue making my payments until I pay it all, no interests are being charge.

So I have been doing my payments, yesterday I did call because I wanted to know the amount I still owe due that they took it off from the online banking. They told me that I can still get foreclosured, Is that true?

We did not add the mortgages in the bankruptcy, attorney said we could not do loans in fayetteville nc it.

You need to contact your bankruptcy attorney for details, but I went through a similair bankruptcy situation and here is what I can tell you. Sounds like both your first and second mortgage were included in bankruptcy and discharged. Your 1st mortgage with Midland was modified and you are current? What that means is you are no longer responsible for the debt, but the bank can still foreclose because only the debt has been discharged, the lien stays. Yes, your credit report will say paid off, discharged, paid in full, etc... It all depends on how much equity you have in your home.

In order to foreclose, the second mortgage holder would need to pay off the first mortgage holder. They cant simply foreclose just on the second mortgage. As paid day loans long as you are current on the first, unlikely that foreclosure will happen. Refinancing would open you up to more debt single mother loans and take away all you recieved in bankruptcy-mainly liability for the debt! I paid on my 1st and 2nd for about 4 years, then stopped paying on the second. Im still working with bank on a settlement offer and getting the lien released, but not worried about foreclosure since I am current on the first mortgage.

You can have a search done on your property to see what liens are there.

That way you know for sure if BOA actually has a lien or they simply are telling quick in loans you they have a lien. Since your bankruptcy was 4 years ago, you never know if someone at BOA already released it. Thanks so much , really after I read your answer I tried to get more info about my 2nd mortgage, Now according to the web page I paid to check the liens on the house, it says 0 no liens, so both mortgages are paid in full on the credit report and no liens payday loans online texas in the house.

I did talk to the bankruptcy attorney and she says as long I am making my payments I will be ok. You may want to talk with title to make sure about the liens on the house, for it to bad credit loans no brokers not show your first lien tells me something may be wrong with the report that you ordered. In regards to your original post as well about the loans not being included in bankruptcy - you may want to look further into this as well because in most cases homes are thrown in with everything else during a chapter 7 BK. This would cause your mortgage to not show up on the credit report, that is another tell tale sign you have it included in BK. Yes your attorney is correct, as long as you are making payments on the lien you are not subject to foreclosure. As Jzone mentioned above, the only way the 2nd could foreclose is if they pay off the 1st lien prior to foreclosure.

I may have missed something but why are you concerned about foreclosure?

Has something happened to cause the mortgage to be unaffordable and now may be difficult to pay? You may want to talk with title single mother loans to make sure about the liens on the house, for it to 1000 loan bad credit not show your first lien tells me something may be wrong with the report that you ordered. In regards to your original post as well about the loans not being included in bankruptcy - you may want to look further into this as well because in most cases homes are thrown in with everything else during a chapter 7 BK.