May 17, 2011
Middle Tennessee flood victims and other financially distressed property owners have been surprised to learn they can’t escape homeowners association fees even if they are in foreclosure or bankruptcy — or, in the case of Sheryl Lynn Pigg, both.
Having...
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Foreclosure, bankruptcy won't end homeowners association fee
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To Move or Not To Move?
Hi - I'm new here and have a couple of questions. Here are the facts:
* first mortgage $267K - Wells Fargo - stopped paying Feb. 2011
* second mortgage $35K - PNC Bank - stopped paying Feb. 2011
* >$100K underwater (i.e. value is ~$160-180K)
* plan on letting... -
For consumers in debt, it's a question of priorities
May 15, 2011
A significant number of Americans are now willing to lose their house to save the stuff that's in it.
That kitchen-table calculus provides a window into the deep-seated changes in consumer psyche wrought by the financial crisis. Traditionally, home loans have... -
Foreclosure on ride-thru Mortgage discharged CH 7
I have a 1st mortgage and 2nd HELOC on my house. Both were discharged during CH 7 BK and were ride-thru.
Now, I am trying to effect a short sale to avoid a foreclosure since I want to buy another home and do not want to have to put "Yes" to mortgage application question of... -
Banks Are Off the Hook Again
April 9, 2011
Americans know that banks have mistreated borrowers in many ways in foreclosure cases. Among other things, they habitually filed false court documents. There were investigations. We’ve been waiting for federal and state regulators to crack down.
...Last edited by AngelinaCat; 04-11-2011, 05:25 AM. -
venicehope started a topic Discharged in FL, still no foreclosure/vacant 3 yrs. Should I rent it & do I owe HOA?in ForeclosureDischarged in FL, still no foreclosure/vacant 3 yrs. Should I rent it & do I owe HOA?
Here's some info for all my fellow Florida neighbors (Sarasota County -Tampa Middle District). After filing for Ch. 7 in 2007 & being discharged in 1/2008 my home still sits vacant. The bank filed a Lis Pend in 6/12/2009, it went up for tax sale by county last July where Wachovia/Wells Fargo paid... -
Couple Owns Home After One Payment Due to Foreclosure Glitch
March 22nd 2011
Facing foreclosure and fed up with the banks trying to take back your home? Well, a foreclosure loophole that helped an Ankeny, Ia., home construction worker and his mortgage loan originator wife win a 2009 court judgment against CitiMortgage, giving them title... -
1 yr into ch 13 and want to include investment home
We are 1 year into our chapter 13 case. We just made our 12th payment!!! We are still in our primary home and our rental home tenants have stopped paying rent. Our attorney had informed us that we could always add our investment home into our bankruptcy. Here are my questions:
1. Would we... -
Interesting Foreclosure and bankruptcy Article
I was emailed this yesterday. Very interesting...
WASHINGTON -- Economists at the New York Federal Reserve have concluded that a controversial 2005 law backed by banks and credit card companies pushed more than 200,000 people into foreclosure and exacerbated the subprime mortgage crisis.... -
Can discharged mortgage be wiped off CR?
Here is my situation and just wondering if any one else has had this happen? I was discharged in 12/09 chapter 7. Home was included but i said intended to stay but no reaffirmation done. I kept paying until dec 10" and stopped payments jan 11".
My mortgage lender took all reporting... -
My attorney wants to "force" a foreclosure - is this a good idea?
Here's my situation..
I live in Illinois. Filed Chapter 13 - it was confirmed early 2010. In it, agreed to hand house back to bank, etc...
Moved out mid-2010, renting a place about an hour away.
Until bank forecloses and deed is out of my name, my attorney... -
We recieved letters from attorneys... and we need advice.
My wife and I received letters from attorneys representing the holder/servicer of our mortgage - U.S. Bank. The letter was postmarked February 11th, 2011.
The Letter: ‘This law office has been instructed to institute foreclosure proceedings. You have the right to dispute this debt,... -
addisonsmom started a topic House in Foreclosure, Filed Chapter 13, had 341 Meeting, 90 day to file claim as pastin ForeclosureHouse in Foreclosure, Filed Chapter 13, had 341 Meeting, 90 day to file claim as past
The house was in foreclosure prior to filing BK on 8/20/10. We had our 341 Meeting on 10/20/10, surrendering the house. The date to file claims was on 01/17/11. I received statement from my Trustee stating that the only claim that has been filed is from a deficiency balance from our SUV (surrendered... -
StartinOver started a topic NH - sale date set, mod pckg in servicer's review, bk down the road... my next step?in ForeclosureNH - sale date set, mod pckg in servicer's review, bk down the road... my next step?
We are in NH.
Would like to keep our home, but not sure if they can mod the loan(s) enough to make it affordable for us. We are upside down in the two loans, but I think the first is not underwater by itself (unless the house is worth less than I think it is, but I think that is a long... -
NOD and Foreclosure after BK
I have three questions:
Why is the nod and foreclosure held against you if you filed BK?
Why are they able to leave you on the loan and continue to hurt your credit what is the purpose of BK if not to stop all the non sense?
Are mortgage lenders able to decline your loan based off...