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Foreclosure help in Florida
[June 16, 2008]   by Foreclosure Help
Filed under: Loan Modification Assistance, Need a Loan Modification, foreclosure help in Florida, loan modification while in bankruptcy

If you are facing foreclosure in Florida we can help. We are very familiar with foreclosure law in Florida. Below are homeowners that we have helped stop foreclosure in Florida.

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We Bought our home for $170,000. At the time it was appraised for $190,000. Now it is worth about 120-130. Our mortgage has adjusted and our taxes have doubled and our payment has gone up over $2000.00. We have applied to our loan co  to have our loan modified but we cannot get an answer from them and we are now 3 months behind. We need loan modification help. First Franklin is our mortgage co. and we are still waiting for an answer on our situation. Because we would rather get short sale help than foreclose.  stop Florida foreclosure.

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We were trying to contact stop foreclosure with Litton Loan to discuss about our situation for months, but there weren’t answer from them until 1 day before foreclose date. And after that there were two people appeared in front of my house and told us that we have to move because the house has been sold in an auction. I have received the letter from Glasser and Glasser P.L.C. said that now the property is belong to The Bank of New-York.
we need a loan modification with Litton Loan services

 

foreclosure help in Brandon
[April 5, 2008]   by Foreclosure Help
Filed under: foreclosure help in Florida

If you are facing foreclosure in Brandon, Florida we can help. Contact us to stop foreclosure in Brandon or anywhere else in the nation that you need foreclosure assistance. We offer foreclosure assistance in Brandon and you need to contact us to get the best foreclosure help available. Below are homeowner we have been able to stop foreclosure in Brandon.

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In November we replaced the roof with only 7000.00 on hand as well as 2-1000.00 credit card charges and 4000.00 personal family loan 9(ONLY resource).In December my company closed in Tampa and offerd a position out of Orlando,but amonth delayed without pay. We were able to make December payment and that was the last payment we made. I had health problems start in early March without income supplement and ok’d to resume work on April 14th. (2nd mortg with SAME mortgage co.@36000.00 is also behind 4 months i.e. 339.00 x 4 =1360.00 I return to work on April 14 and can resume payments for May. My mortgage Co is GMAC via DiTech and is owned by Fannie Mae. We have about 14000.00 in credit card/personal loan(8000.00 w Citifinan.) which are current as of now, as is our auto payments. Can you stop foreclosure with GMAC we really need to stop foreclosure

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The mortgage is in my wife’s name and I have been hospitalized for a good portion of last year and 2 months this year. We would like to try and save the home, but we did file bankruptcy on another property about 6.5 to 7 years ago. I have been hospitalized for a good portion of last year and 2 months this year. We need stop foreclosure help in Florida

 

Foreclosure Help in Fort Myers
by Foreclosure Help
Filed under: foreclosure help in Florida

If you are facing foreclosure in Fort Myers contact the foreclosure experts that have helped many homeowners stop foreclosure in Florida. We have helped many homeowners save their homes from foreclosure, if you do not want to save your home from foreclosure we have relationships with companies that can help stop foreclosure and buy your home. Below are homeowners we helped stop foreclosure in Fort Myers.

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I have called Ocwen Mortgage many times and received many different lies. They say they record their conversations but need to review them. I have lived in my house for near 15 years now and recently was out of work for 7 weeks so i missed my house payment. I called and made arrangements for a repayment schedule at 1800 a month and was told during my recorded conversation that this would not change for 10 months and then would go back down. Instead 1 month later it went up over 2000 a month and would increase. I was also told that my taxes and insurance were being paid and when I checked with our county tax dept. I found they were not! I called them just last week and they insist they are being paid but they are not. Today I am documenting everything through email and am sending them my recent form they faxed me to see if I can go on a repayment plan but I can no longer believe a word they say!! I am requesting a copy of my mortgage contract as Ocwen Mortgage bought my mortgage from a previous company who bought it from one before that! I am at my wits end on what to do but if i could refinance i could afford up to 1500.00 a month. I am cleaning up loose ends on my credit so I can improve my score which at the present time is 578. It has recently gone down because of them checking my credit. I have approx 700.00 in loan debt and 5 things to pay for that show up on my credit report.They are all very small amounts. I have no car payment and pay my bills on time. Thank you for any help you can give me. No my situation has not changed. Ocwen is NOT a mortgage company. They are not able to refinance my mortgage . Help me stop foreclosure with Ocwen

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My wife lost her job the first of December and we got behind and cant keep up. The lender wants to add so many fees for being late we will never be able to keep up. They already added over $1000 worth of late charges! I need a loan modification and if we could just defer a couple of payments we could get back on track. We’ve lived in this house almost 10 years and all our equity has been ate up with fees.  My wife now has a part time job so we can now keep up with the regular monthly payment. In need foreclosure help with First Franklin

 

need foreclosure help, payments are rising
[March 31, 2008]   by Foreclosure Help
Filed under: foreclosure help in Florida

A few summers ago, I was living in Sarasota, Florida with my 3 year old daughter. I was a single mom, living in a tiny apartment and working in the restaurant business to make ends meet.  Sarasota is a very expensive place to live and the costs were becoming beyond my means. It has always been my goal and priority to provide for myself and my daughter without assistance from others. This is when I decided that it was time to move on to a place where I had a higher potential of surviving and providing for my daughter as a single parent. Chattanooga, Tennessee caught my eye as a beautiful, affordable and an opportunity-filled place for someone in my position. I didn’t know anyone in Chattanooga but in the summer, I packed the little belongings that I had, moved to Chattanooga and filled with hope, I started a new beginning.  When my daughter and I moved here, I had $500.00 in my pocket, no place to live, and no job. Some would say that was a dumb and naive move while others would call it gutsy and brave. I believe it was a combination of them all. Needless to say, I went from no place to live and with no job, to finding a job and home and thus started a new beginning for my daughter and me.  It was a lot of hard work on my part to make things happen for me, but I was determined and confidant in my abilities. I worked my way up in the business world working for Applebee’s Bar & Grille as a Marketing Representative and Allen-Kopet Law Firm as a Marketing Director.  These jobs were both physically and financially fulfilling.  One of my goals was to buy a house with a backyard that my daughter could play in and a bedroom she could call her own. I still lived paycheck to paycheck but I knew how to stretch every penny I made and because of my hard work and diligence, I was finally able to provide this to my daughter.  I know this may sound so simplistic, but when you start off with nothing, it’s those simple little things that mean so much. I bought my first house in 2004, with the money I had managed to save for the down payment and my credit score of over 700. To this day, that accomplishment has been one of my proudest moments. I worked hard with stretching my pennies and filling my home with furniture and accessories to make this house a home. When I bought the house I was aware that I was purchasing it with a 2-year arm and that my interest rate would adjust in two years. With my job being financial stable, I figured it to be safe that I could refinance when the time came for my interest rate to adjust. And that is exactly what I did. In 2006 I served a representative from Wells Fargo.  He started to come in about once a week and I was his server almost every time. Because of this we developed an acquaintance with one another. I shared information about my mortgage loan having an adjustable rate and shared my concerns about the interest rate increasing soon.  Naturally, as a salesman, he took this opportunity to see if he could help me get a fixed rate mortgage through Wells Fargo. After several weeks of working together to get the information and approval needed, I signed the papers to a new mortgage loan through Wells Fargo. It was a big weight off my shoulders to not have to worry about the interest rate increasing, thus a larger monthly payment.  It was a relief to not have to worry about adjustable rates with this home. The Wells Fargo representative took good care of me so I thought. Records show that there has been only one or two late payments on my mortgage, and my credit score has been damaged a bit. Please allow me to explain. In 2004 I became seriously involved with a wonderful man who I am now engaged to get married to. Since 2004, we have had many changes in our lives and financial situations. In 2005, we had an unexpected and very rare situation happen to us. I became pregnant with an IUD birth control. This is a 1 in 20,0000 possibility, and I was that 1 out of 20,000. If one becomes pregnant with an IUD, the IUD must be removed immediately or your baby has a 50/50 chance during the entire pregnancy. So naturally, I went to have the surgery to have the IUD removed, and thus a happy, healthy pregnancy. Unfortunately, the IUD could not be removed because it had planted itself behind the baby’s sack and into the lining of the uterus. The baby would have been aborted if they were to remove the IUD. I was going to have to go through this entire pregnancy not knowing if my baby would make it. My situation was already a big buzz around the hospital, but this news really made it big.  Unfortunately, when I was about 10-11 weeks pregnant I miscarried the baby. It was likely due to the IUD ripping the sack of the baby. About 3 months later after my body had completed healing; I went back for surgery to have the IUD removed because it was still implanted into the uterine wall. This all was very surreal and confusing for me. With this all said, I had to miss a lot of work and money became very tight again. I had no insurance so I had many medical bills on top of my usual living bills. Much of the weight then fell on my fiancee, Paul’s, shoulders. In 2006 things were getting back to normal and then I found out we were expecting another baby. Only this time I became pregnant while I was on the pill. I know, this sounds crazy and that was our exact thoughts too. This was a healthy, normal pregnancy until I was about 6 months pregnant. At this time, I was going into pre-term labor on a weekly basis. Because of the obvious dangers of delivering this early in my pregnancy, I was ordered by my Doctor to not work or do any physical activities. It was either this, or I was to be put on bed rest in the hospital for the last few months of my pregnancy. With no insurance, I chose the first option. The result from this situation was that I could not work to bring in money and this left Paul with all the bills to pay with his income alone. At 38 weeks pregnant, I went into labor again and this time they allowed the labor to continue. I ended up having an emergency C-section because the baby’s umbilical cord was wrapped around her neck, around her waist and through her legs. She was being strangled by the umbilical cord every time I had a contraction, and she would not have survived if I didn’t have the c-section. I am so blessed and happy to say that today she is a healthy, happy baby girl who blesses us with her presence everyday. Thanks to God and a wonderful doctor. I believe that although each life situation is a lesson learned, this is also the main cause of our debt and financial situation. Because I could not work in the latter part of my pregnancy and for some time afterwards, we fell completely behind on our bills. Paul’s income was not sufficient enough to pay the living bills along with the medical bills. We were practically living off our credit cards to pay for food, necessities and other bills. Paul changed jobs to earn more money, but we were already so behind that we had to turn our credit card debt to a debt settlement company. Our only other choice was to file bankruptcy, and we felt that the settlement company was a better choice in the long run. I have since then returned to work making what money I can. Through some frugal living we have managed to keep our heads above the water. We have managed to catch up on our bills and are working at getting the credit card situation paid off within the next two years. We are very proud of our determination to make this right again and to move on. Unfortunately, I received a letter just a few months ago from Wells Fargo stating that my mortgage rate will be adjusting soon. This was a huge slap in the face! As I stated before, I had spoken with the representative from Wells Fargo stressing to him that I wanted to refinance to a fixed rate because the previous mortgage was adjustable. He completely mislead me and outright lied to me. He specifically assured me that he would get me on a fixed rate mortgage.  I am aware that on the papers that I sign, it will say whether the mortgage is fixed or adjustable. However, when you are sitting at a desk with someone you trust to be a professional and deliver to you what you ask for and he has about 30 pages of paperwork that he was flipping through telling you to sign here and there, you trust what he is telling you. I will take full responsibility for the fact that although I felt I trusted him, I should have taken the extra time to thoroughly read through everything. I have learned my lesson. But in the same breath, I argue that he was suppose to be the knowledgeable professional that treats me with enough respect to give me what I asked for and not mislead or outright lie to me. Instead he took advantage of a single mother who was not fully knowledgeable about mortgages and how it works. I have since then educated myself on these things. Now we are in a situation where we are working so hard to keep our heads above water, and to get back on track. Because of having to use credit just to pay the bills, we got deeper into debt than we’ve ever been. In order to avoid bankruptcy, and therefore losing the home I’ve worked so hard for, we’re currently in a debt settlement program. This program allows us to make manageable payments on our credit cards every month. When we have enough to settle a card, an offer is made to the creditor. This program causes our credit scores to suffer though since nothing gets paid on them until there’s enough to settle. We have been fortunate enough to have some family help us out in our greatest times of need. Paul and I are very dedicated, honest, hard-working people. We have never asked for hand-outs. This is where I must swallow my pride and ask for your assistance. Simply put, I would like to have a fixed rate mortgage. I would love for a company to be able to provide this for me. I take the time to allow you into my personal life and thoughts because I want you to see that I am an honest, hard-working person that doesn’t give up. I would love the opportunity for you to help me from losing everything I’ve worked so hard for. I went from nothing to having two beautiful girls who are my life and I want nothing more than to give them a home that I never had. This is their home. This is my home. I put everything I’ve got into earning all of this on my own. I will continue to give it all I’ve got to keep it too. I don’t want to have to tear these girls away from the home they know, the friends and school they love, because I simply can not afford the mortgage with its interest rate continuously increasing. I humbly ask you for a rope to pull me out of this. Fortunately, because of our careful budgeting, the rope required will be nothing more than a fixed rate instead of an adjustable rate. If our payment will stay in the neighborhood of where it was before the 1st adjustment, I’m confident we’ll continue on our path toward recovery. Please help us stop foreclosure

 

Foreclosure Help In Florida - Stop Foreclosure in Florida
by Foreclosure Help
Filed under: foreclosure help in Florida

If you are facing foreclosure in Florida we can help. We have helped many homeowners in Florida Stop foreclosure and save their homes. We are the most qualified company to help stop foreclosure nationwide. We have saved many homes from foreclosure and looking forward to helping you. Our negotiations staff learned foreclosure negotiations from lenders in their Loss Mitigation departments , that makes us more qualified than most companies you will contact or that contact us. We offer the best forclosure help in Florida. We have helped many homeowners stop foreclosure in Florida, listed below are a few that we have helped and their options to stop forclosure.

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We have a construction loan and was told we would only have a high payment for one month. It is going on the fourth month of payments at 1300/month. We are trying to keep up, but the bank says if we don’t pay them by March 31,they will send it to an attorney for foreclosure. We just do not know what to do. I currently started school. Mortgage company is United Midwest Savings Bank.  We really need foreclosure help in Pittsburgh. We have tried to get a loan modification but were not offered a good enough deal to afford. Our neighbor referred me to your company because you were able to modify their loan and get them current. Please help us get a loan modification.

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The value of my house is approximately $330,000.00 but my mortgage balance is $419,000.00 (upside down) I requested for loan modification since November.  I checked with them last March.  Saxon Mortgage Inc.rep told me it is pending.  My monthly mortgage payment is $2,888.58, but I can no longer afford it.  $1,500.00 is the only amount I can afford for now because my wife was laid off from work. Saxon can be reached at 1-888-325-3502.  They are taking care of my loan modification request. Please let me know how you can help me stop foreclosure.  Assistance you can extend to me to save my house from foreclosure will be highly appreciated.  I have lived in Florida and need for you to help. I check you on the Better Business Bureau site and feel confident you can help us. Please help stop foreclosure in Florida

 

Foreclosure Help in Miami
[March 6, 2008]   by Foreclosure Help
Filed under: Foreclosure Help in Miami, foreclosure help in Florida

If you are in foreclosure and need foreclosure help in Miami we are the team that can help stop the foreclosure. We have helped many homeowners in Miami stop foreclosure and are interested in helping you also. We love assisting people that are facing foreclosure save their homes or sell them if they can not afford the payments or if the payments adjusted and can no longer afford. Our background is in loss mitigation retention and saving homes from foreclosure is what we do. Again, if you can not afford your home we will work with you to find a potential buyer. Do not let your house go to sale on the court house steps sell or save it before that happens. Comments below are from homeowners facing foreclosure in Miami, feel free to leave comments about your foreclosure to let others know what you are going through. Contact us for foreclosure options in Miami

 
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