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Old 04-01-2010, 04:27 PM
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Join Date: Jul 2007
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Default Help Me Stop Foreclosure

We are contacted by many homeowner that need help. We give them options to stop foreclosure whether a short sale, loan modification, refinance or deed-in-lieu. Below are some contacts that have reached out for help. We are able to help many.
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Would like to see about getting To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily. in order to reduce my interest so that I can lower my monthly mortgage. I have been struggling to pay my monthly mortgage since my daughter has gone to college and do not want to lose my home but if I can reduce my interest rate and monthly payment it will make it much easier. Also there are homes in foreclosure
around me and the value is continuing to decrease.
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County: Horry
not sure about the back payments, we were with countrywide home loans who sold to bank of America home loans, we have been trying to get a modification or refinance for a year now, keep getting runaround, have had no paperwork sent about loans or modification trying to get, have been denied modification, cannot find out why, can never talk to the same person, no one seems to know whats going on. Now they tell us there is a sale date Feb. 1rst. We don’t know what to do, this seems like a violation of the truth and lending act. We have sent all necessary info including, hardship, finances, and check stubs, tax return, just cant get anywhere with these people and they kept telling us to wait, might be 3 months each time and now they are saying, we want to keep our home and have had total unprofessionalism and delinquencies from bank of am. Bank of America home loans formerly, Countrywide home loans – home loan refinance in foreclosure To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily.
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County: Orange
I was laid off from my job and was it was a 50% reduction in my income. I was not able to keep making payments on my home.
Stop Foreclosure in Chico
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County: Butte
I am 3 months behind in mortgage payments. Two weeks ago I received a letter of default in the mail. I paid $830 via western union to the mortgage company on January 3 and they declined to accept the money. It is stilll sitting at western union. Since they declined to accept the payment I am now 4 months behind. My situation hasn’t changed and my mortgage company is GMAC Mortgage. To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily.
Stop Foreclosure in Cordova
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County: Shelby
I’m experiencing some financial hardship at this time my husband no longer works and most likely will not be returning to work because of he is mentally incompetent from a severly mental breakdown and i;ve had to quit one of my jobs to help take care of him, h-90e is dong much better now, but. we are in this financial hard ship become of it. I’m only asking for borrowed timed until I can get back on my feet financially. I love my home and desperately do not want to loose it. I’ve applied for part time work and began to work full time at my primary job, which alone would be able to cover my mortgage. presently i just need some time, time, time to get back financially stable, 60 days max. thank you. help on foreclosure
Stop Foreclosure in Naranja
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County: Miami-Dade
I got hurt at work and fell behind because I took time off to heel.Yes, I’m better but still I am 2 months behind and they are talking foreclosure.Please help me right away. To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily. Mortgage Company has my mortgage, stop foreclosure
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County: Strafford
I was struggling to make payments on my loan. I would be a little later and later each month till where a month had lapsed me, I was on the phone with Saxon mortgage and they had started me on the modification loan and told me to wait to hear form a person who was going to check to see if i lived in my home that woman came nearly 2 months later and i called to see where things were with my loan to find out they had sold my loan to Ocwen, i have not been able to reach a representative on the phone ever! and the website will not allow me to download the form!! i am ready to make a payment a month ago and I would like to make my interest rate stay the same instead of adjusting, I am feeling more able to pay my mortgage at the lower interest rate and would like to get this squared away so my credit score isn’t ruined! I am frustrated! please help me. My lender was Saxon mortgage then with out realizing it, in the middle of my modification they sold it to Ocwen and I haven’t been able to reach them by phone at all. To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily. and To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily.
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County: Dade
My work in the Georgetown SC area came to a big slow down. I have sought work out of state looking for Contracts in the Building field. I am a Residential Builder and need more work to keep up with my obligations. My wife’s work is going well but we are hurting due to lack of building in South Carolina. I am continuing to work out of state until South Carolina economy picks up and more work comes in.
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County: San Diego
Was 2 months behind – had called bank to see if there was any options in reducing payment. They said unable to help since I was under 2 months. Now it’s 3 months since they return my check. Mortgage company is not very helpful. The customer service people was not polite and had given me an attitude. I would like to keep my property since I don’t have another home. I have been trying to staying afloat paying the mortgage and other bills by taking depleting y savings. Not sure what to do next. Nothings changed. Plan on calling them again 1/16 and see what they can do for me. My lender is M&T Bank.
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County: Los Angeles
Back in June of 2009 my husband lost a contract that would of prevented us for being in foreclosure. Our payments are substantially high being 2300 dollars a month. So we sought for a modification threw our mortgage holder Wells Fargo. Who essentially has dragged this process out for at least seven months. Now with the foreclosure process commencing shortly on our loan. Our desire is to stay in our home. Well Fargo home mortgage has held out a carrot of remodification on our home mortgage since June of 2009. They told us to hold off on paying until loan modification was approved. I believe it was never their intent to modify our loan in the first place. And now we are seven months behind threatening foreclosure. I have asked numerous We need To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily. times if we should pay something even though it wasn’t the full amount. Their response was no and to just wait. Now waiting has caused foreclosure and damaged my credit standing seriously.
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County: Tidewater
Over the last several years I have been asking for help due to fluctuating income, I have not worked at my profession of supportive caregiver due to health problems of my own, Hashimoto’s disease with the complication of having had thyroid cancer previously and a second surgery in 2005 to remove thyroid tissue. I filed for divorce from an immigrant who only wanted his green card, this cost me $ 3000. I filed the necessary paperwork with the Citifinancial office in Rhinelander,WI.in order to secure a To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily. over 3 months ago. Now they say they need an appraisal …What is going on? To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily.


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  #2 (permalink)  
Old 09-04-2010, 03:15 AM
Junior Member
 
Join Date: Sep 2010
Posts: 6
Default Re: Help Me Stop Foreclosure

An attorney outlines ways to save a debtor's house from a residential home foreclosure sale with and without bankruptcy to stop the foreclosure.
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How to Stop Foreclosure
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  #3 (permalink)  
Old 09-13-2010, 06:09 AM
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Join Date: Aug 2010
Location: Scottsdale , USA
Posts: 6
Default Re: Help Me Stop Foreclosure

Sell Your Home.

Interview real estate agents to get an opinion of market value and average DOM to sell your home.

Consider a Short Sale.

If your home is worth less than the amount you owe, you might be a candidate for a short sale. A short sale affects credit but it's not as bad as a foreclosure.


Sign a Deed-in-Lieu of Foreclosure

This is called deeding the home back to the lender. The homeowner give the lender a properly prepared and notarized deed, and the lender forgives the mortgage, effectively canceling the foreclosure action. Lenders tell me that deeds-in-lieu of foreclosure affect credit the same as a foreclosure.
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  #4 (permalink)  
Old 10-29-2010, 01:35 AM
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Join Date: Sep 2010
Posts: 15
Default Re: Help Me Stop Foreclosure

Check a particular mortgage and state laws to define what steps must be taken by a lender to institute a foreclosure action.
For your better help you can meet with an attorney...
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