Hi, I took out a 2 ... ?

Hi, I took out a 2.nd mortgage 6yrs ago for 28k I have repaid 24k, but I still owe 25k because of the high commision cost of 13. twenty-five procent. at the moment my mortgage is underwater, but I do want to negotiate a settlement on my 2.nd mortgage. either of my mortgages are present and I have at no time been not on time paying One of of them. I know that this is going to affect my credit score but my wife score is all around eight hundred so I am not too worried. I simply want to come to a fair settlement sum and receive rid of that 2.nd mortgage and still hold my home. at the moment I am applying for the mortgage help tool program to hopefully come to a fair settlement sum. What do you think a nice settlement sum could be. Thanks

Is this my only ?

Hi, I bought my home in 2004, 100% financing with a 80% 1.st and 20% 2.nd loan. Got married in 2007, and refinanced in 2008 putting my husband on the the 2 loans but didn't take any cash out. In 2011 we moved out and rented out the home. We are now getting a divorce. I don't want to live in the home since there was a earnest complication with the neighbor and the hood has deteriorated. My ex doesn't want to hold the home, or participate in a not long sale. The home is at least $250, 000 underwater. I have been deliberated to simply let the bank foreclose. I live in California, and the same bank owns either mortgages. Is this my only selection?

first mortgage so why endanger that ?

I have a first and second with Bofa. I successfully modified the 1.st in 2008. I had to declare bankruptcy in 2009. Chapter seven was discharged. My mortgages were included in the fluxion but I hoped to hold my home so I continued making the payments. Then my partner died and without his income I can no longer afford to make either payments. I stopped paying the second this past Sept. I’m present on the first. I’m seriously underwater on the 1.st so the second is fully not secured. I were told that Bofa could be foolish to foreclose on the second since the first must be paid off with proceeds from the sale and the expenses of foreclosure could make it Also more expensive to them. . Plus They're getting their payments for the first mortgage so why endanger that? I have received caution of the Intent to Foreclose. Maryland is a judicial foreclosure state and has passed laws requiring mediation before a foreclosure may be concluded.

Heck ?

I have a more or less various situation! I am PRaYING you may at least give me some advice or your honest opinion! My husbands dad passed when he was two and his mother sued the hospital. quick forward to when he was 25. He received five, 000$ then when he was 30, all around 15, 000$. Well, he's divorced with two children, I have a 4yr old and we have a one yr old together. We But surely have debit. Maybe all around 50, 000$ combined. and we either job at Ford. K that is the back story. Well he has four more payments from the structured settlement equaling 375, 000$! ! a light dawned on United States that “HELLLLLO! If we lump amount it we may receive away from debit, have a good cost fee on a new house(we rent) and maybe open a commerce behind some years. . etc. We called 1 of the large well known firms and they told “let's receive this started” and posted United States thing that is not here till now. They do not seem to have nice reviews internet. We want to receive as much of his cash as we may, Awaring a chunk could be taken out but, where in the heck could we begin? How do we discover a trusted firm to assist United States? Lawyers or brokers? We are SO confused! These days you cannot trust someone! ! So with all your Studies you did is there any advice you can give for OUR situation? We think this lump amount selection is excellent for United States to build the life of comfort, debit no cost, joyfull kids, ”american Dream” we forever dreamed of! Thanks Glen, or someone else that could pllllllease Also let United States know how to receive our feet sloppy with this! !

Her Primerica supervisor or call him what you will ... ?

I've told it several times before “if it sounds too nice to be true it probably is” that is what I told my pal and her Primerica supervisor (or call him what you will). They knew all the right things to tell and surprised me so much that I got invloved with them and I nearly had to file for bankrupcy. It really is too nice to be true and they arent looking to assist someone receive away from duty. The at no time explained to me that you require a home, cars and equity to receive started. all that was told is we want to assist persons receive out duty no cost and financially individual. I am on my way to being duty no cost on my own.

Which is via the Securities and convert Commission ... ?

However, depending to Ketchum, in the wake of the present political climate and modifys in leadership during the 2012 election, he doesn't expect that the home of Representative money Services Committee could try to revamp the way RIas are presently regulated, which is via the Securities and convert Commission. For advisers that didn't want FINRa overseeing them, this is nice news.

Is no cost and simple during your stressful move ... ?

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To wanting to go through that whole competence again ... ?

And as mentioned above, she appeared along with a cast of former large Brother housemates past year on a present affair for a large Brother Reunion in which she was the only notable contestant to tell to wanting to go through that whole competence again.

What ?

I use to have six credit cards from various banks and used to be a nice payer. But now, I can't afford to pay all of them because of present situation now. I was receiving request messages and receiving frequesnt calls from the collection companies questioning me to pay my duty in compleat included the penalty fees. They Also mentioned that if I don't pay, It'll motive me more difficultys and embarrassment. They could Also sue me for not paying the balances. What could I do? What my husband and I are earning at the moment isn't Also enough to compensate our household needs. I do not Also want to chat with them since They're saying the same thing everytime they call me. I am not hiding, It is simply that I really do not know how to deal with them. I Also told them that once I discover a way to pay my balances I'll pay them after all, but they hold on saying that I could pay them on or before the dates that their giving to me. What could I do? Please assist.

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I am a stay at home wife and my husband is retired army with a income of approx. $2200. 00 a month. His credit is very not rich because of a foreclosure and mine is fair to nice. We do not have any bills another than rent and utilities and want to purchase a 'our' home/house in aZ. may someone say me if There’s a lender there to apply to receive a loan up to $70, 000. 00? by theuniqueldy February twenty-nine, 2012 six: 13 PM

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Our scores are in the low 500's. We had some effluences in the past and are working to correct them to raise our score, But either, our landlord has sold our home and we require to move asap. We don't want to exchange school districts for our kids and There’s not much for rentals. We have found a home that is only $47, 000 It’s liveable but could require cosmetic job at some point (husband is a contractor so this isn't a problem) We could be capable to put at least $3, 000 down. require to receive the remainder as a loan as quick as probabble before we have no where else to go. may someone assist? by niagara814 Dec. nine, 2011 twelve: twenty aM

Home to live in though training some years ago ... ?

In this lovely street in the old quarter of Girona, built over the antique Roman road of Via augusta, Lance armstrong bought a home to live in though training some years ago. Since then, many cyclist from various teams have decided to settle in the astonishing city of Girona, with it's good weather and nice roads with mountains nearby that are excellent for preparing for large races, like the tour de France or the Giro d'Italia. Girona fastly became 1 of the hubs of pro. cycling in Southern Eu, and armstrong was praised as a hero. When he was stripped of his titles by the United States anti-Doping agency, the reaction here was 1 of incredulity. persons in Girona merely can not trust it. They did not want to. at the end of the day, the global Cycling corporation confirmed the accusations and banned armstrong for life, erasing from the book of records his seven tour de France titles. Girona

Had Not a thing but money headaches from 1 ... ?

I have either had Not a thing but money headaches from 1.st Franklin. I’m the only individual in my hood who's necessary to have flood insurance b/c of a creek that runs after my home. The rest of my neighbours are not necessary to bear flood insurance but have that same creek that is after my home running after theirs. I’m outraged at the high flood insurance they imposed on me and now They're railroading me in to carrying their house owners insurance. The hoi I carried no longer are handling hoi so I had to watch Somewhere else to discover coverage and It is been a nightmare getting this cleared up. My intrest rate is high as well and I am a single parent of three, 1 which is a college student. I do not get any another income and nearly make ends meet. . I live from pay-check to pay-check. I require a not so high commision cost on the arm I presently as I don't want to lose my home. They kept my payments in escrow and created my payments seem as if they were not on time and were in the procedure of foreclosing on my home. I had Not a thing but a struggle dealing with them.

My builder all tried to *&$^# ?

FF is by far-away the worst firm I have dealt with. They refused to let me discourse to the advocate who was handling my case. I finally had to go to their parent firm (Merrill Lynch) and make things go on from that end. It worked . mostly. FF sold my loan and the new firm states that FF says I was not on time and I owe costs totalling $200. 00. This isn't true and it has been supposed to be fixed last June by my advocate (Gary Stockey). They still dropped the ball! ! I had a fight with the IRS two years ago and I won with apologies from their advocate. I could tell it has been simpler working with the IRS! ! The point I don't knowladge is the arrogance of the mortgage commerce. They loan a individual $150, 000 and in 30 years they make $250, 000 in interest. They may foreclose on your home and resale it. I receive more smiles and service when buying a hamburger at McDonalds! We all want a home and many of United States settle for a lender who treats United States like crap. We all require to stand up and scream . "WE will not TaKE IT no longer" . keep in touch the BBB . your congress individual . any state or government authority who could listen . and someone in the mortgage or related industries! My broker, my lender, and my builder all tried to *&$^#? me. The phrase "truth in lending" comes to mind. Maybe it could be "honesty, accountability, and hospitality in lending"!

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