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Archive for May, 2008

We are in Bankruptcy and we can’t afford the payments.

If you have filed bankruptcy and can no longer afford your bankruptcy payments you lender will petition the court to release the home from bankruptcy and the process with the lender begins right where you left off. If you were in foreclosure before bankruptcy than you will be placed back in foreclosure. Contact the company that offers the best foreclosure help.

Be sure that once yo are released from bankruptcy you reaffirm your debt on the house. It is imperative you do this in order to retain your home and get a loan modification if you qualify.

Filed under: Bankruptcy to Stop Foreclosure, We are in Bankruptcy and we can’t afford the payments, what can we do | , , , , |1 Comment

I have tried to contact my mortgage company but they do not call back

Stop foreclosure

If you have submitted your information and can not get in contact with your lender you are not alone. If you do not know the ropes you can find yourself alone without any support. Mortgage companies work on their time lines and really do not care about their customers. Once you submit your package they really leave you hanging and it can take months before they send a denial letter. There are many lenders that send information looking like they want to help but cut your legs out from under you and take your home. Work with a foreclosure team that wants to  give you loan modification help.

Filed under: Foreclosure Help, have tried to contact my mortgage company but they do n | , , , , |No Comments

I’ve tried to work this out with my mortgage company

If you have tried to work with your mortgage company and have fallen short all of the time it may be your approach. As a loss mitigator in the past I understand how to properly submit your paperwork to be sure you fit the criteria that will make you successful in keeping your home. Contact us for foreclosure help in Los Angeles.

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Filed under: I’ve tried to work this out with my mortgage company, fallen behind on my mortgage, foreclosure Help in Los Angeles, foreclosure help in California | , |No Comments

filing chapter 13 to prevent foreclosure

If you are facing foreclosure contact us before filing bankruptcy. There are options available that we know about that can help stop foreclosure and keep you in your home. Foreclosure help first there are better options, below are homeowners that had problems but we were able to help.

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returned to work from disability then got Separated caught up on payments and then fell behind work negotiator agreed to forebearance in October (documented) but failed to send documents (documented) Unable to contact negotiator through continuous attempts Negotiator left 2 messages at my home and to my former employer Calls returned still unable to contact negotiator Lender claims agreement was denied due to failure to contact me in march 2008 Told to call back in 30-40 days to see if I could obtain a new negotiator Followed instructions and was told to call once a week Received notice of sale date in May.
Stop foreclosure in New York
City: Hempstead
State: New York
Zip Code: 11550
County: Nassau

Filed under: filing chapter 13 to prevent foreclosure, loan modification while in bankruptcy, should we file bankruptcy to save my home | , , , , , |1 Comment

Can foreclosure be stopped

My original mortgage was with New Century. I refinanced in 1999 for around 76,000.00. When OCWEN took my loan over, I did have some forebearance agreements and late payments, but have made regular payments as much as possible. The only time I did not was when Mississippi was declared a disaster area and mortgage payments were deferred during this disaster. I fell behind on my mortgage with OCWEN and called to make arrangements. I spoke with Ocwen rep, who said I could have a fixed rate of 11.500% with notes at 921.00 EXCLUDING T&I. I would have to submit a 2000.00 down payment. What I could not understand is the fact that the balance on my home was now 88,000.00 !!!  Now I have gotten a foreclosure letter from Shapiro and Massey in Jackson, MS. The letter states that my mortgage is now 90,000.00. I had someone from examine the payment history I requested from OCWEN and they see numerous unwarrented charges on my payment history. I would like to know how I can keep my home without being overcharged by OCWEN. I would also like to speak with someone who speaks English as a first language.  I am no longer receiving child support from my exhusband. OCWEN is foreclosing.

can foreclosure be stopped

Filed under: Can foreclosure be stopped, Foreclosure Help with Ocwen Mortgage, fallen behind on mortgage | , |1 Comment

I am unemployed can foreclosure be stopped

We have helped many homeowners stop foreclosure and save their homes from foreclosure. Stopping foreclosure gives us such a pleasure.  If you are in need of foreclosure assistance we can help. Contact us today, below are homeowners we have helped when their lender would not help.

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Company went out of business in January but struggled to pay me November and December. Keep all payments current until I found new employer they bounced 2 out of four of my paychecks and we have been sinking ever since. I found new job and they fired me after eight days. I missed a day to tend to my dieing father and they fired me.  Mortgage company is HSBC for both first and second and they tried to work out repayments but won’t give me time to find another job. Husband works but doesnt make enough to pay even half of our debt. we really need foreclosure help
stop foreclosure in California Los Angeles

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Venice foreclosure help

have had a 75% salery cut, wife working full time, house on the market 16 months with several price reductions. currently marketed in Europe no offers. National City Mortgage is foreclosing avoid forclosoure keep my home

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Foreclosure help in Greenville

I lost my job. After 14 years. And the only income we have is my unemployment check. My wife gets disibilty and also she is working doing electrical work. We want to please keep our home. We can come up with what is behind. Would you PLEASE try to help us,  We have put it in God’s hands.
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foreclosure help in Port Charlotte

Countrywide loan modification help they modified our loan back in Dec. They were not going to accept the modification with the funds because an employee, she said we did not date one of the pages of the modification.  After going back and forth and having to get a third party to step in-the modification from Dec. was accepted at the end of Feb. There was a payment due Feb. 1 and March 1 – I sent both of these payments but neither have cleared my bank.  The company my husband works for started having financial problems so he was without a job at the end of March.  He is working now so I know we can get caught up.  Actually we are not behind like they are showing because I have sent $2472. that has not been posted to my account.

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I am unemployed and Fell behind on payments and unable to catch up payments
Washington Mutual foreclosure assistance

Filed under: Countrywide Loan modification, I am unemployed can foreclosure be stopped, fallen behind on my mortgage, foreclosure help in California | , , , , , , , , , , , , |No Comments

Stop Foreclosure with Option One

I work in commissioned boat sales.  the boating-sales industry seems to mirror the housing industry. sales have been 30% down or worse.  I was able, however  to keep up with my mortgage payments until last year when the country forced assessments on all the residents of this area.  We were ordered to hook-up to city water and sewer system, even though I had a perfectly working well, and septic system.  It cost me over $8,000. for permits, plumbers and installation.  that killed my savings account.  I need to stop foreclosure with Option One and asked them to help with a loan modification on my mortage to forgive the late payments and let me start a new with a slightly lower payment – they refused.  have had the property for 4 years and never missed a payment until last November. I have been trying to catch up ever since then – sending what i could each month. i am in a desperate panic.  I can\’t lose my house. I need foreclosure help in Cape Coral

please stop foreclosure with Option One

Filed under: Foreclosure Help with Option One, Help Me with Forecloser, stop foreclosure with Option One | , , , , , , , |No Comments

Option One Loss Mitigation Department

We have been helping homeowners all over the nation stop foreclosure and helping them with loan modifications. We have been helping homeowners stop foreclosure with Option One for over 5 years and have a great track record. If you need foreclosure help contact us today and we will be there for you every step of the way.

below are examples of foreclosure assistance

My rate reset from 6.25 to now 9.25 increasing my payment in $400. Besides I was basically unemployed since Nov 2007. Now I have a job but my income is lower than before. If I can reduce my payment at least as it was before I could keep my payments. I just missed my first mortgage payment. My credit score and the value of the house do not allow any refinance, loss mitigation Option One  

Filed under: We need a loan modification, refinance to stop foreclosure, stop foreclosure with Option One | , , , , , , |1 Comment

how many payments behind before the lender can start foreclosure

we get these questions all of the time :How long or how many payments behind before the lender can start foreclosure. Also how do you find out who hold the note on your home when it has been sold and a service company is the persons you deal with and can not talk directly to the lender to try refinancing or other options”

the answer: Typically it is 3 months late a demand letter stating pay all or they will foreclose. 45 days after demand letter or breach letter the mortgage company can have their attorney serve foreclosure paperwork.  The foreclosure usually happens about 105 days after first missed payment. Your new mortgage company should send paperwork, welcome letter giving their contact info. Let us know we are prepared to help and really know the business.

we love to help stop foreclosure

Filed under: Do it yourself Foreclosure Program, fallen behind on mortgage, how many payments behind before the lender can start fo | , , , |No Comments

We need a loan modification

If you are looking for a loan modification we are the experts in negotiating with your bank and getting a loan modification. We know the numbers that are needed to not only allow you to save your home from foreclosure but also the magic number to be able to modify your loan. Being a negotiator in the past for one of the largest lenders loss mitigation department makes me the go to guy to understand the business and get your loan modified. We also offer free foreclosure help

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Last year I lost my full-time job and ever since then I have been working in the Entertainment business making good money to help with the mortgage. The entertainment company that I work for is not full-time. So, we need help.
I also work for a trucking company but, that’s also part-time. We can’t afford to lose this house. It was a wedding gift, from someone very special. (we need help.) Yes, my situation has changed because my mortgage has adjusted and now we really need to adjust back down. Can you help get a loan modification, we need foreclosure help in Los Angeles

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I refinanced my home in 2006 and need foreclosure help In Stockton, part of that money I invested for the purpose of increasing my income, and a portion went toward the down payment on the other home. I am on social security and disability. The broker used stated income and got me refinance and approved for the loan on the other home. My scores at the time 680 and he put me into a sub-prime loan. That totals $1,735.00 a month. The extra income would have given me the difference to make my mortgage payments. I have another home. I have tenants in that one, but because the people I gave money too has refused to pay back the money, I can’t pay the difference of this mortgage either. The difference being $435.00. They, being Carrington now, buying the loan from Fremont Lending. lived in my home since 1998. I have someone wanting to buy the property, who will allow me to remain in my home. Hoping that in a couple of years, to sell the property back to me, once I can clean my credit up to qualify.
GMAC Stop Foreclosure

Filed under: Need a Loan Modification, Washington Mutual Loss Mitigation, We need a loan modification | , , , , , , , , |No Comments

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