Latest Posts


We Make 150K But Living Paycheck to Paycheck. What Should We Do? – Roy

middle age couple

“Dear Steve, My wife and I are in our mid 50s living in suburban NY. Our kids are in college. Combined, our income is $150,000. While this is considered to be good money, it just doesn’t seem to be enough to cover our needs and save for the future during the years that we should be doing that. We owe ... Read More »

    Can Our Old Home Qualify for Tax Forgiveness if We Rented it? – Kevin


    “Dear Jim, Bought a house in 2006 as my primary residence for 185k. In 2009 we receieved an appraisal of the property for 90k from the county. In the middle of 2009, I had to take another job which required a move across the US. With no time to try to sell the house, I decided to rent it out ... Read More »

      Is Legal Aid Service a Real Company to Charge Me for a Loan Modification? – Carlos

      puzzled looking little boy looking to the left

      “Dear Steve, I received a letter from my bank and when I called in, the people who answers the phone were not my bank. They wanted my documents so I sent them in. Later on I found out that they are a company named legal aid service and the attorney is a man by the name of Floyd Belsito. The ... Read More »

        I Need to Walk Away From My Old House in a Crime Ridden Area. What About My HELOC? – Lynn

        crime scene

        “Dear Steve, First let me tell you Your site is so helpful and informative. A great service.Thank You I hope you can give me an answer, there are so many different opinions about this, but I trust yours. Live in NYS,went bankrubpt 2010,chap 7 discharge,no reafirm on mortgage. Heloc only 48000, no first. Have made all payments since. Things have ... Read More »

          Is the Real Estate Law Center Really a Scam or Not?


          “Dear Steve, Investigating The Real Estate Law Center-I have been in contact with a representitive and passed along information, I am leary of course to send any money with out seeing some non-bias or indpendant results. I see a few responses regarding Real Estate Law Center as a scam, but nothing is definitive as to whether or not they are ... Read More »

            I Filed Bankruptcy With Macey Bankruptcy Law and They Told Me Not to Pay My Mortgage. – Aubrey


            “Dear Steve, I filed bankruptcy with Macey Bankruptcy Law, in September 2012, at the time my mortgage payment was current, I was told not to pay my Sept 2012 mortgage until further notice. I received a call form my mortgage company attorney at the end of October 2012, informing me that a letter was sent to my attorney office for ... Read More »

              Resolution Law Group Sent Me a Mailer About Suing Countrywide Mortgage. – Patrick

              Real Estate Concept

              “Dear Steve, bought house through country wide morgage co. recieved leter about complex tort action against them i recently recieved a letter from resolution law group about a complex tort action law suit against country wide i called the number and spoke to a jay wilson to make long story short he told me when all is done i would ... Read More »

                What Should My Daughter Do to be Able to Buy Her First House? – Carol

                Real Estate Concept

                “Dear Steve, I’m not sure of the exact score, but my daugher’s (She is 26.) credit is good. She was in the process of trying to purchase her first home and was pre-approved for $100,000. Once into the process, she was denied because she had too much debt (student loans, car lease, credit card). She has a fulltime teaching job, ... Read More »

                  My Wife Sent Me a Link About the Lance Denha Scam. Is It a Scam?

                  Loan Modification Green Road Sign with dramatic clouds and sky.

                  “Dear Steve, My wife sent me the link to your posts re Lance Dunha scam. I was about to engage their services to represent me with Chase on my First Mortgage and Bank of Princeton on my second – $895 – month one and $595 for the next months until resolved. They are offering to us a Federal Law that ... Read More »

                    Real Estate Law Center Told My Grandma to Max Out Her Credit Cards. – Jason


                    “Dear Steve, my grandmother got hooked up with this real estate law center pc, she signed there dam contract and now has given them all kinds of money, my grandma is 78 years old and scared to lose her home and these dudes told her all the right things to get her to sign the contract, did she stop and ... Read More »

                      My Mother Passed Away and It Was Devastating. She left a Couple of Homes. – Nancy

                      Isolated wings

                      “Dear Steve, I desperately need advice. My mother passed away just over 2 years ago, which was devastating for myself and 3 siblings. She owned a house in america (Florida to be exact), which was in negative equity, none of us were financially able to manage this property and therefore have just left it, which I’m sure was the wrong ... Read More »

                        I’m Feeling Pressured by Wells Fargo on My Loan Modification. – Tom

                        Real Estate Concept

                        “Dear Steve, I bought a condo in Owings Mills, MD in 2006 at the height of the mortgage boom(fraud etc.) My name is the only one on the books. Married 1 child. Canadian Citizen. 196K Purchase price. 80/20 loan. This loan was originated My a small lender and was sold to Wells Fargo the month after….. 80: 156K 6.75% 10 ... Read More »

                          Married, 3 Kids, Husband Has Cancer and Trying to Refinance Mortgage. – Anna

                          yikes exclamation

                          “Dear Steve, Married has 3 children and a husband who has a cancer.I’m the only one working and my husband’s SSS was freeze for overpayment ,that made it harder for our finances . I used credit card for most of our bills for payment and now waiting for my bank ( Bank of America ) to process my refinance for ... Read More »

                            I’m Upside Down on 30 Year Interest Only Mortgage and Medical Debts. – Scott

                            Magnifying Glass - Q&A

                            “Dear Steve, Upside down with home of more than $130,000 in Florida. Two loans, second being a HELOC at time purchase to avoid original PMI with Countrywide. BOA bought Countrywide and then sold second to Greentree. 30-year interest only at 6.625 on first and 8.125 on second. BOA will not work with with me as DTI is approximately 21%. This ... Read More »

                              Is American Remedy Center in California a Scam? – Jose


                              “Dear Steve, We received by mail a letter from one company oferring help us with the mortgage payment reduction for our home in Florida. It’s law office named America Remedy Center in California. The person in charge of my case request for sing a contract. And a payment of over $1000.00 dollars. How can I, know if this people really ... Read More »

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