I Was Injured On The Job An Can No Longer Work .When This Happened I Worked Out My Income Over The Next 5 Years The First 2 Years My Income Droped 35% The Next Year Another 15% The 4th Year Another 15% This Is Where My Income Is At This Time.
The First 2 Years I made All Of My House Payments But Could Not Afford To Pay Credit Card Payments And All Of Them Have Gone Into Collection.
After The First 2 Years I Called Bank Of America And Informed Them About My Loss Of Income And What It Would Be In The Future Thay Told Me To Apply For A Home Affordable Modification.
When I did I agian Told Them About My Future Income Loss Thay Worked Out The Modification And Told Me I Could Reapply For A new Modification In 1 Year When My Income Was About To Change.
I made All Of My House Payments And Tryed To Get A Modification When My Income Did Change Thay Then Told Me I Could Not Get A Modification Through But To Go Through Save Our Home California I did That And Thay Told To Stop Making Payments Wile Thay Worked It Out.Bank Of America Then Pulled My Applation And Told Me Not To Make Payments Until Thay Worked Out A modification Under A new Program That Thay Had To Offer Under A Settelment Thay Then Filed Foreclosure And Brought On A Sale Date Whitch Is Where I Am Today.
Thay Did Not Send Me Any Notice As Per The Settelment.And Changed Account Managers 3 Times All Three Asking For More Paper Work To Be Faxed And Telling Me That My Applacation Was Approved And Sent To Underwriters.The Last Tine The Account Manager Told Me He Would File To Have The Sale Date Postponed.But It Has Yet To Be Postponed.I Have An Appointment.With A Bank Of America Service To Hand Deliver More Paper Work.And Was Told That After Receving This Paper Work Thay To Would File To Have my Sale Date Postponed.I have a 28,000 Past Due Note And 15,000 Credit Card Debt.
What Are My Options Chapter 7 Being The Last What Else Can I Due If Any Thing
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.I Can't Get My Mortgage Modified and I'm Behind on Credit Card Debt. - Doug by Steve Rhode