Unsecured loans bad credit

Please Read our My son is getting better slowly but surely. He is doing MUCH better than he was a few months ago and I know he will make it through this.

The hyperbaric oxygen therapy has been a crucial part of his recovery. 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 unsecured loans bad credit 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 I think You need to hire a lawyer to proceed because this is a legal process and lawyer guide in a better way than anyone else. We completed this transaction last July and it was required that we have a lawyer. Everything went fairly smoothly I gave in on maintaining control of everything and let our realtor do the work - turns out she was AWESOME! The most complicated part was our buyer did not speak much English, so it took a few tries on some paperwork to get things right.

Our lawyer complimented her on doing a fantastic job and told us that, in his experience, it was rare indeed to have a short-sale go through - especially go as smoothly as ours did. We were also VERY blessed to find a livable trailer home in the woods to rent, and the owner is kind and understanding of our situation. The owner had posted the rental on Craigslist and said she got over 200 responses in one day.

She said she chose us because we sent her the best e-mail explaining our situation honestly and introducing ourselves. I certainly hope and pray that you and your family are doing well now!

I meant to add that with the help of this forum, we were able to remain in our home for 5 years after chapt. I think we made our last payment to Citi in 2013 and moved out in August 2016. Being able to remain in our home for that long online money loans feels like a kind of victory. Thanks for sharing your story and paying it forward to others who will read your words. 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. 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.


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Chase just killed our short sale so we are going to be saddled with this property for a while longer (did not reaffirm, but the foreclosure will be against us). What if I transfer by quitclaim deed the property a shell (an LLC) subject to the mortgage. Then the foreclosure would be against the LLC and not me personally, correct? And therefore should no longer affect my ability to get a loan once I hit the 2 year hurdle. I am looking to avoid having the foreclosure hit my credit report and possibly get a mortgage before the foreclosure even happens.

What if I transfer by quitclaim deed the property a shell (an LLC) subject to the mortgage. Then the foreclosure would be against the LLC and not me personally, correct? And therefore should no longer affect my ability to get a loan once I hit the 2 year hurdle.

I am looking to avoid having the foreclosure hit my credit report and possibly get a mortgage before the foreclosure even happens. 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. Could you give insight to who payday loans lakewood co these lenders may be....

Could you give insight to who these lenders may be.... You can try Erik Sandstrom with New American Funding. He is able to obtain financing one day out of BK or foreclosure as long as you qualify. 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 personal loan no credit check easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The unsecured loans bad credit 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.

Is your home currently up for short sale and has not been sold yet?

A new rule was released about including your home in bankruptcy and new conventional financing. You can read about that here: Basically what it explains is that if you included your home in bankruptcy and can provide proof unsecured loans bad credit of that via bankruptcy discharge paperwork than only the bankruptcy seasoning periods would apply, rather than foreclosure or short sale. 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 a rental in foreclosure where I just received a default judgement from the court. Does lender now become liable for security deposits?

Receive cash for keys to vacate the property in good condition. Instead of you (the owner) of the property receiving the cash for keys the tenant would for their troubles. This is not the security deposit however it could end up being larger than the security deposit.

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.

Off the top of my head, the only problem a bankruptcy would cause the servicer would be the inability to pursue the borrower for a deficiency judgment after foreclosure sale. What other positive effects for the borrower, and negative effects for the servicer does a bankruptcy have (other than the obvious, wiping out the mortgage debt obligation)?

I have a friend who told me as soon as he mentioned Bk while meeting with his lender, he said their whole attitude changed.

I also saw a youtube video by a local attorney who was talking about short sale etc, and during the course of his talk, he made a statement about threatening bankruptcy, I suppose as just a tactic to make them bend..

Essentially it is a delay tactic with a chapter 13, and can work in some Chapter 7 cases. This helps you in negotiating because once you have no personal liability, there is little to no recourse the lender can seek against you. Hence, they know you have little to lose after the 7 BK, but in the end, it will not be a guarantee to save your home.

The creditor cannot report a balance due, nor can it report any payments you make on the loan after bankruptcy. Doing so may violate the Fair Credit Reporting Act and subject the mortgage lender to legal liability.

Reaffirmation is a side agreement between you and your lender whereby you agree to remain personally liable for repayment of the debt in spite of the bankruptcy filing. In essence, you are waiving the bankruptcy discharge as to this particular creditor.

Though this may unsecured loans bad credit at first blush look like a fix to the credit reporting problem, reaffirmation carries significant long-term risks. In addition, your late payments will be reported to the credit reporting agency if you fall behind again. 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.

The only thing a bankruptcy will do is remove liability for the debt. 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. 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. My ex-husband is payday loan instant payout filing bankruptcy and just informed me I may be screwed. I am no where on the mortgage of the home, unsecured loans bad credit but I am on the title!!! I even thought I should go ahead and buy JIC they DO come after me.

I maybe could file bankruptcy myself, but keep MY home. We tried to do all this the pdl loans right way, but things keep going wrong. My ex-husband is filing bankruptcy and just informed me I may be screwed. I am no where on the mortgage of the home, but I am on the title!!! If so, do you really think the lender cares who is on title?

Not sure why you would think Chase is going to go after you. If you are not on the loan Chase would not have a claim against you since you are not the borrower.

Certainly, if the loan is not paid, Chase will take back ITS property - the home.

If so, do you really think the lender cares who is on title? The way she worded it made him think they could come after me. Not sure why you would think Chase is going to go after you. If you are not on the loan Chase would not have a claim against you since you are not the borrower. Certainly, if the loan is not paid, Chase will take back ITS property - the home. Okay so I consulted a lawyer and was told they might have my name listed in a forclosure file , but it will not go on my credit report. I am stepping up my house hunt so that mine is bought before his bankruptcy is discharged... 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.