Latest Posts

Mortgage

Estate Law Group Took Our Money. – Sussie

scammer

“Dear Steve, I was sent a card in the mail from Estate Law Group in Irvine, California about a loan modification to our existing mortgage, and it stated our lending companies’ name. I called the number on the card and was connected to a “case manager”. He said that I had to fill out all these forms that looked pretty ... Read More »

Mortgage Mailer is a Sales Job to Sell You a Lie

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“Dear Steve, Received this mailer offering to reduce my principal by $75k and get me a 2% interest rate. Has NO name, address, fax, or website. Phone # 877-264-8115. When I Googled that #, your site came up as evidently someone in the Comments section mentioned a solicitation with that #. It’s disturbing that an attorney’s office can violate so ... Read More »

What Will Happen When if I Stop Making the Second Mortgage Payments? – James

umbrella

“Dear Steve, We currently have a first and second mortgage. The first Mortgage is with Citi Bank and we owe about 160,000. The second is with America Servicing Company which is a subsidiary of Wells Fargo. We owe 140,000. The house is probably worth about 300,000 give or take. We are having a problem making the second mortgage payments. I ... Read More »

Quicken Loans Keeps Calling Me After Turning Us Down. – Jeffrey

husband wife

“Dear Steve, We have an upside down mortgage. In order to make mortgage payments we pretty much maxed the credit cards. We were told by Bank of America the only reason we did not qualify for HARP was b/c we were 30 days late paying June 2012′s mortgage. They told us that since we did not have any other lates ... Read More »

Where Can I Find a Legitimate Mortgage Modification Company? – Michael

Loan Modification Green Road Sign with dramatic clouds and sky.

“Dear Steve, Can you recommend a legitimate Loan Modification company anywhere in New jersey? All I hear are horror stories about these types of companies, and dealing with the bank directly is a joke. Any recommendation would be appreciated. Thank you, Michael” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, ... Read More »

My Bank is Stringing Me Alone to Modify My Mortgage in HARP. – Maryanne

Loan Modification Green Road Sign with dramatic clouds and sky.

“Dear Steve, We have a fannie mae loan that is serviced by Bank of America. Last year when we realized we were not going to continue with payments we contacted the bank and filled out a modification form. We were turned down because our loan was not imminent. We were then told by our customer service rep that we might ... Read More »

I Lost My Job. How Do I Unload My Vacant Home. – Peter

Short Sale Green Road Sign on Dramatic Blue Sky with Clouds.

“Dear Steve, I have a first mortgage (about $210-220K) with PNC Mortgage and a second/line of credit with PNC Bank ($65K) on my apartment in Washington, DC. I lost my job in 2010 and moved to Illinois to help care for my elderly parents (I’m in my mid 50′s), I am behind on both payments now 7 months. Foreclosure is ... Read More »

Estate Law Group Vanished With My Money. – Larry

closed

“Dear Steve, i retained estate law group 15333 culver dr,irvine california, june 2012 and paid them 2600 bucks,working with them back and fourth in the beginning but started noticing is was getting hard to get ahold of them,i was trying to mofify my 1st and 2nd mort which they told me not to pay, at one point they told me ... Read More »

I Filed Bankruptcy But My Husband’s Mortgage With Bank of America Was Discharged. – Paula

No Way!

“Dear Steve, Divorced husband kept mortgage as long as I made payments which I have continued to do so. Divorced I got the house but mortgage stayed in ex husbands name ..I filed bankruptcy and they discharged ex husbands mortgage on the home.. Bank of America won’t fix it even though I am not on the loan . So ex ... Read More »

Can Whitestone Capital Trust Save My Home?

church

“Dear Steve, I was contacted with proposition from Whitestone Capitals trust llc, to reduce my mortgage to fair price value i.e. the present valued price of my property now, because my property is less that my present mortgage. White stone capitals claims that they did a loan forensic search and find where my Mortgage holder is inconsistent with regulations, which ... Read More »

Preferred Law Told Me to Stop Making My Mortgage Payments. – Iris

Loan Modification Green Road Sign with dramatic clouds and sky.

“Dear Steve, I recently contacted Preferred Law PLLC to help me with BOA Modification. I have tried for 14 months on my own and this is just to much stress. Of course, they said that they could get it done within 4-6 months and the cost would be $3,900.00. Stop making my mortgage payments, they guarantee it 100 % and ... Read More »

My Second Mortgage Was Going to Settle So They Got a Judgment. – Din

closeup of a gavel on cash, from above

“Dear Jared, I had to short sale one of my investment condos in 2010. We thought the 2nd lien was settling at closing and then they pursued me for the full amount owed and have now place a judgement against me. They refused to settle for less than 75% of what was owed. I also have a promissory to Wells ... Read More »

How Can I Refinance My Mortgage With Chase? – Mark

Real Estate Concept

“Dear Steve, Mortgage is not supported by Fannie or Freddie. Was “self” funded by Washington Mutual (original lender). Now mortgage is held by Chase. Rate is 5.75. Any way to refinance. Does not seem any “Obama plan” is applicable because of non-Fannie or Freddie support. Mortgage Modification? I received same notification from S C Law Firm that you have been ... Read More »

Are New Vision Relief Center and New Horizon Debt Solutions Legitimate Companies? – Jannina

Loan Modification Green Road Sign with dramatic clouds and sky.

“Dear Steve, Trying to get a modification on my present home and also to settle 30k on credit cards debts. I am the only one working in my household my 67 yr husband can not find a job after he was forced retirement and my 18 yrs son who just graduate from high school are not able to find a ... Read More »

Modification Review Board Wants to Sell Me Advance Fee Loan Modification Help. – Danielle

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“Dear Steve, I have been looking into the Making Home Affordable Program. I found some companies offering assistance and asked for call backs. I have also been reading some of what they are allowed to do, not do, offer or not offer. I got a call back today from “the Modification Review Board.” I am writing you tonight after seeing ... Read More »

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