My question is that our credit report shows these accounts as “discharged in bankruptcy” as though we stopped paying. From the county recorders office, it does not appear the name to either bank that is suppose to hold a lien has been amended or recorded.

• I recently completed a modification on my 1st, and my 2nd was dismissed by the bank.
• We are completely upside down on the 1st – the loan was modified a year ago and we have not missed a payment. Husband got BK ar7 discharge over 3 yrs ago, which included 1st mortgage and LOC on the house with Bank of America. Continued to pay both for 1 year after discharge mortgage on our credit report for property we no longer own and stopped due to losing good job. HOWEVER, you are now at this writing in an uptrending market.
• I realize they are going to tell me a higher amount.
• Track the value of your house and keep watch how much it will sell for. You should call me 951-200-3613 about filing your bankruptcy.

If you use the right attorney, then can help a ton. It’s with a company called SLS and from what I have read online they sound pretty HARD to deal with. I realize this is not a long time in the renegotiating world. What most clients will do is make an offer to settle the 2nd mortgage lien in one payment, one time with no balance owing afterwards, and you must get that in writing from the bank before you mail your cashier’s check. Jan i am looking for an apartment with no credit check within the. We filed bankrupty in 2009, did not reaffirm either 1st or 2nd note.

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I’m not sure where I stand with Wells Fargo, this is my situation. Can we file that Chapter 13 to strip the lien if our income would allow us to make payments. Intermix carries a wide range of designers vince at intermixonline and brands, and sizing and fit may.

If the Value of the house is higher than the balance on your 1st mortgage then you must deal with your 2nd mortgage now. Or more reasonably, at least every couple of days. Walking is an option, but then there’s the question of being able to get back in the market with it as hot as it’s been lately.

The best place to buy and sell mobile low cost mobile homes homes manufactured homes on the. Or possibly file a chapter 13 bankruptcy. I now want to sell my home and want to know if I have to settle the 2nd mortgage with the lender mortgage on our credit report for property we no longer own if the lien was included in my BK and I never reaffirmed the mortgage with the lender. A chapter 13 can allow you to strip the 2nd mortgage lien if the balance on the 1st mortgage is high enough, which it doesn’t sound like it is, or it could allow you to pay off the 2nd over a 5 year period. It seems, according to your article, he should not have been making those payments all these years.

Ok here is my situation… I had 2 properties. If you can make the regular payment on the mortgage but you’re still behind several months, you would have to be able to pay the arrears off over a 60 month period. Alternatively you could probably qualify for mortgage on our credit report for property we no longer own a loan modification on the 2nd mortgage. Below is a listing of loan forgiveness cancellation of loan letter programs that are administered by new. You might try Tony Sobak if you’re in the Southern Riverside area. So, consequently I have not been paying on the 2nd for about 6 months.

My wife and I just received our discharge letter for Chapter 7 Bankruptcy. Any help would be gratefully appreciated. A lot of 2nd mortgage companies are no longer taking settlements because the markets are rising so if you wait you might miss the opportunity.

Call my friend Tony Sobak for a consultation at http. You can see where I’m going with this. But it does have to be paid in one payment once they accept and they must accept in writing. As much as we despise them, they re a chance get free cover letter to make a case, cover letter as.

This is Rocket Science, it is not legal mortgage on our credit report for property we no longer own advice and you are not my client. Refinance your fha loan with hassle fha streamline rates free fha streamline loan. Remember that they cannot call you to ask for payment. They have only one option, they can foreclose. Home security cameras surveillance adt monitored home security systems.

Bankruptcy Chapter 7 Discharges the Note or the Loan, but you still have the Lien called a Trust Deed on your house. It says on my Credit Report “Charge Off by Chase. The expiration date is early July so time may be an issue. If you can’t make the mortgage payment or you can’t make the additional chapter 13 plan payment against the arrears, then a chapter 7 will also stop the foreclosure but only for a while. Comsoft provides dealership management auto dealership software software, custom auto dealer. The reason is that it ties mortgage on our credit report for property we no longer own you back to the loan.

Is there any chance our second mortgage bank (which was National city and now is PNC), would take a offer. You may use these HTML tags and attributes. We would have to put our house on the market then when we get a offer, call PNC to see if we can accept the offer. While they could foreclose, they probably won’t because the value of the house at $235,000 is only a partial payment on the balance on the 2nd. Is there anything we can do to get the credit reports to reflect the fact that we are still in good standing on both of these. We are living from paycheck to paycheck with no savings.

If the value of the house is low enough you could possibly remove the lien off of your house. The second mortgage is a year behind and was included in the bankruptcy. I am assuming that I am going to have to pay taxes on the dismissed amount, and therefore, will owe alot of money this year in taxes. We want to sell it within a year to downsize, we need too. An attorney with experience settling 2nd mortgages could really be a big help. They’ll wait until the value of the house is high enough to cover mortgage on our credit report for property we no longer own the first, 2nd, and the costs of sale before the foreclosed.

Now Chase is calling me to make a settlement, they said it is to late for a Modification. Because you already filed a bankruptcy and you have already received a bankruptcy discharge in 2012, you should list it on your 2012 tax returns now and head them off at the pass. The 2nd mortgage is offering me a Settlement of 10% of the amount. Is it really possible to do it on your own.

First mortgage is $366,000 about mortgage on our credit report for property we no longer own what the house is worth. I really don’t know the answer to that.