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The only people I currently deal with are in the west coast and I am in the east coast. Nothing is guaranteed, but occasionally homeowners like yourself receive a decision on the spot. HSBC has been one of the worst investors to work with and has continued to refuse participation in various programs such as HAMP. The comments by me and small loans for bad credit no brokers 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 Get free mortgage help today. 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 am new to the Forum, although I have been following the February 2013 Walkers Forum and Michigan 2013 Walkers for over a month now. The information is invaluable and I am so appreciative of everyone who has shared their experience. I have made many improvements,remodeled bath, tiled, mirrored walls, new frig. I amdriving a 2003 Honda CRV with over 200,000 thousand miles, and livingpay check to pay check.

Today, I look at the mortgage document and I realize I was a victim and that I was duped into a. I guess Wells Fargo holds the mortgage now, and ASC services the mortgage.

I was so dumb and trusting, I wish I had consulted with someone for advice. I have joined the Walkers Club, I missed my first payment. I am not interested in a Short Sale or Loan Modification.

I am extremely nervous, I have never missed a payment or been late.

Through reading others advice I gather I need to continue to pay the hazard insurance, but not the property taxes. Never answer the phone or respond to emails or mail.

I closed my WF account and I have a post office box for my mail. Question: Would it be wise to send pictures and keys and a letter to WF stating that I do not plan to make any future mortgage payments? I am considering writing a letter to WF and sending the photos with the keys and and a letter stating the property is vacant and the deed is theirs. I recommend you forget about sending a letter or pictures to WF. I small loans for bad credit no brokers had considered renting the condo, paying the HOA dues and pocketing the cash that would go to WF. I thought I might be able to overcome the guilt I might suffer for doing that, but I was concerned how this may effect a renter when the FC happened. I am considering doing exactly as you have advised.

I had considered renting the condo, paying the HOA dues and pocketing the cash that would go to WF.


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I thought I might be able to small loans for bad credit no brokers overcome the guilt I might suffer for doing that, but I was concerned how this may effect a best long term installment loans for bad credit renter when the FC happened. I am considering doing exactly as you have advised. Furthermore, tenants are protected by the Protecting Tenants at Foreclosure Act of May 2009. And potentially much longer, depending on the circustances. Furthermore, small loans for bad credit no brokers tenants often benefit fiancially when a property FCs the new owner is often remiss in collecting some rent.

Furthermore, tenants are protected by the Protecting Tenants at Foreclosure Act of May 2009. And potentially much longer, depending on the circustances. Furthermore, tenants often benefit fiancially when a property FCs the new owner is often remiss in collecting some rent. Hi Tom, I took your advice and rented the condo to a nice couple. I continued to pay the HOA fees because the water, cable and sanitation are part of the services included in the HOA fee.

Yesterday, my tennant gave me a court document that was delivered to them.

Then when I got home there was a card in my door that was from a Process Server that asked me to contact him that he has important papers for me. I assume it is the same documents that were given to the tennant for me, but the process server needs my signature to prove I was served. Should I call the Process Server and arrange to receive the documents? I would like to scan and send you a copy of the documents as they are difficult to explain. Basically it appears the Plaintiff (WF) has covered all their bases.

This has happened a little sooner than I anticipated.

First step is you need to contact a foreclosure defense attorney. That there is payday loans springfield il a service pending means a clock is ticking. That service could be for either the promissory note side of the mortgage or the foreclosure. If it is the foreclosure, WF can serve by publication if they cannot serve you. In FL, the tenant is NOT a valid recipient for a service luckily for you the process server knows this and is acting properly at this point - some are sleazes. Pay the HOA fees as the HOA can institute foreclosure on its own. The attorney will analyze your situation for the various defenses, including improper loan procedures and other violations of law and use them in a defense. Now, something you fear will take place in a month will wind up taking a year, giving you time to make arrangements. You have a 20 day clock if it is the foreclosure and best payday loan lender the new laws let them move it very quickly if you do not respond the same law requires them to produce proper documents.

First step is you need to contact a foreclosure defense attorney. That there is a service pending means a clock is ticking. That service could be for either the promissory note side of the mortgage or the foreclosure.


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If payday loans salt lake city utah it is the foreclosure, WF can serve by publication if they cannot serve you. In FL, the tenant is NOT a valid recipient for a service luckily for you the process server knows this and is acting properly at this point - some are sleazes. Pay the HOA fees as the HOA can institute foreclosure on its own. The attorney will analyze your situation for the various defenses, including improper loan procedures and other violations of law and use them in a defense. Now, something you fear will take place in a month will wind up taking a year, giving you time to make arrangements.

You have a 20 day clock if it is the foreclosure and the new laws let them move it very quickly if you do not respond the same law requires them to produce proper documents. If they come after me for a deficiency I will declare bankruptcy. I have read on this site that many walkers chose this route? Thanks I strongly recommend you NOT contact the process server. I recommend you evade service of process for as long as possible.

If you do get served, be sure to file an answer to the complaint to prevent WF from loans from direct lenders taking a default judgment. Your answer can be as simple as a General Denial (easy to do). I strongly recommend you NOT contact the process server. I recommend you evade service of process for as long as possible. If you do get served, be sure to file an answer to the complaint to small loans for bad credit no brokers prevent WF from taking a default judgment. Your answer can be as simple as a General Denial (easy to do). The Process Server knocked on my door at 7:00 pm last night after I got home from work. He located me through the secretary at the Condo HOA. I have found some instructions online in how to answer a summons and foreclosure complaint pro se.

I will take your advice and file a simple General Denial. One question I have is should my Tenant respond to the copy of the summons they received? I hope that my pro se response to the court will will be sufficient and not require involvement of the hoa or tenant. The complaint is quite lengthy Plaintiff, HSBC Bank USA, National Association, as Trustee for ACE Securities Corp. 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.

After deciding to turn down a mod offer in August I decided to pursue a short sale instead. I could have walked but something in me wanted to at least try to leave on good terms. I immediately told Wells Fargo of my intentions and listed my home for sale in late September.

All necessary paperwork on both my part and the buyers has been submitted. Yesterday when I called my realtor to check on the process she suggested that I call Wells for an update (as she felt as if she was getting the run around). To my surprise when I called I found out that there is an auction date of Feb.


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Total shocker to me as I thought foreclosure proceedings are postponed during the short sale process. I did find out that my file is with the negotiator. Of course I called my HPS with no return call as of yet. How much longer until the negotiator makes a decision?

You small loans for bad credit no brokers online payday advance no credit check might visit the following site for a comparison of the distress disposition methods. Unfortunately, only few states have adopted laws that prohibit the servicer from continuing with foreclosure proceedings while under review for a loan mod or short sale, and even then are quite a few ways servicers get around this - such as saying that you never supplied a complete package or the needed documentation in a timely matter. Definitely read through the thread Tom has provided to help you make a decision. You can always jump on the HAMPster wheel as well to try and drag out the FC process as long as possible. 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 This sounds like Wells Fargo is in violation of the National Mortgage settlement. I would bring that up to them and see what they say. 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. Hi, I purchased a muli family home under my own name back in 2006, the house foreclosed in 2010. I was unsure if I am part of a huge foreclosure settlement or not? As there have been several settlements, not sure which one you refer to. IMO both provided very short term installment loan little relief (often only several hundred dollars) to borrowers who lost their homes to foreclosure during the designated time period, and you would have been sent a letter if deemed eligible. You can find more information on both settlements below. The National Mortgage Settlement Administrator will mail Notice Letters and Claim Forms in late September through early October 2012 to approximately 2 million borrowers who lost their home due to foreclosure between January 1, 2008 and December 31 2011 and whose loans were serviced by one of the five mortgage servicers that are parties to the settlement. 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.