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Tag Archives: loan-modification

My HELOC Keeps Rejecting My Loan Modification Attempts

No problem

“Dear Steve, I am writing regarding a 2nd (HELOC) on my Condo. When I lost my job in 2010 – I fell behind on my mortgage and HELOC – I went to then Countrywide and they said they would work with me but, didn’t – then when it was sold to B of A, the situation got worse. I finally ... Read More »

How Not to Get Scammed by a Mortgage Loan Modification Company

scammer

It’s easy to make you a victim and rip you off with a loan modification. People are willing to believe the wild claims companies make about being able to cut your loan balance or slice your interest rate. It sounds so good when the salespeople are pitching you. If you received a postcard or letter in the mail claiming you ... Read More »

How to Modify Your Mortgage for Free

Real Estate Concept

I’ve seen and covered so many mortgage modification scams that I wanted to show you how you can save yourself from being scammed, save thousands and modify your mortgage for free. Before you launch into paying anyone thousands for mortgage modification assistance you should explore your free options first. It’s important to know there is no law that requires any ... Read More »

My Lender is Taking a Long Time on My Loan Modification. – Tenaz

justball-144x125

“Dear Steve, I still have issue with my Home lender because is taking such long time to get Loan Modification for almost One year and 8 months.Now recently in California has passed several bills protecting the Home owner.I believe I have strong case,I’m looking for a Legal representation in contingency basis. Please Steve If you can refer me anyone I’d ... Read More »

Trying to Get Lender to Modify Our Mortgage Again. – Kay

justball-144x125

“Dear Steve, My husband and I bought a home in 2006, applied for a payment modification in 08 or 09 it was approved. My husband income has dropped this year and we’re now having a hard time making payments. We’re 3 months behind on our payments, applied again for a modification and it was declined My question is do we ... Read More »

Do I Have to Pay Someone for a Bank of America Loan Modification? – Margarfet

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“Dear Steve, I have a townhouse that I purchased in 2007 for my daughter & grandson to live in. She has not been able to pay rent for 6 months therefore I have not been able to pay the mortgage. This would not have been a problem a few years ago but my husband had a stroke several years ago ... Read More »

I’m Trying to Help My Neighbor With a Loan Modification On His Home. – Regina

justball-144x125

“Dear Steve, I am trying to help a neighbor out with a loan modification on his home, but Wells Fargo keeps dragging their feet, now he got a summons from their atty’s I am hoping you can suggest a loan modification service company that may help him through all of this, or where he needs to start to get help ... Read More »

Mass Joinder Receiver Report States What They Found During Raid

The court appointed receiver of the law offices and companies that were raided and seized in the recent mass joinder actions in California has shown that the very issues were were all concerned about, appear to have been true. Marketers for lawyers selling access to mass joinder and tort litigation created such a network of deception in cooperation with lawyers ... Read More »

I’ve Got Three Kids, Falling Behind, Unemployed and Have a Lot of Debt. – Kevin

justball-144x125

“Dear Lewis, Here’s my situation. My name is Kevin, I am married with 3 kids. My story began when my wife and I tried to restructure our finances by applying for Obama’s mortgage modification program. The irony is we didn’t need to, but we were told that we qualified and figured, if we could save some money lets do it. ... Read More »

AVID Law Center Puts New Wrinkle in Mass Joinder Compensation

Avid Fees

A tipster (send in your tips here) has just forwarded a copy of the AVID Law Center pre-litigation retainer agreement in which it introduces a new money making effort to charge consumers participating in the mass joinder efforts against lenders. in this case while the AVID Law Center mailers look like the other mass joinder mailers and the language give ... Read More »

We Tried to Sell Our House With a Short Sale But It Never Sold. Should We Let it Go to Foreclosure? – JoAnn

justball-144x125

“Dear Andy, We have been in a bad mortgage for 7 years now where you only pay part of the interest and the rest gets tacked onto the principal well, we took the loan out for 347,000 but now owe 460,000. which the house isn’t even worth. For 4 years now we have been trying to get a mortification and ... Read More »

We’ve Been Fighting with Bank of America for a Loan Modification. Do We Need to Hire a Loan Modification Company. – Mike

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“Dear Andy, Really to long to type here. Been in a battle to keep our home for the last 16 months against Bank of American. Last month won a court dismissal for the foreclosure and am now trying to get the loan modification. Was denied for the hemp due to being told they didn’t receive a tax paper which our ... Read More »

I’m Underwater With My Mortgage. Household Refuses to Help Me Modify My Loan. What Do I Do? – Robert

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“Dear Andy, Underwater Mortgage Household Finance (Beneficial) conventional mortgage taken out four years ago with current balance of $114,000.00 with a value $72,000.00 Household refuse to modify, refinance or reduce interest rate. Current FICO 690 anticipate higher after paying down two credit cards. No late payments, bankruptcy or collection. Interest rate 9.5% has not been reduced as indicated during closing. ... Read More »

Bank of America Won’t Talk to Us About Our Loan Modification. – Barbara

justball-144x125

“Dear Steve, I have written to you before and you were most helpful. Thanks I got married 2 yrs ago and one or both of us has been unemployed for most of that time. Our home is in my husband’s name as he bought it back from his x-wife three years ago. My husband is working but not always getting ... Read More »

An Undercover Investigation of Mortgage Loan Modification Scams

The National Fair Housing Alliance has issued a recent report looking into mortgage modification scams. The report identified some of the practices I’ve written about extensively on GetOutOfDebt.org and they do a great job of presenting examples of what they found. From April, 2010, until March, 2011, the project identified more than 150 companies suspected of being scammers based on ... Read More »

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