And a video was born! The YouTube Date hook up La russell MO dishes on her collaboration with the E! Will Kim be Date hook up La russell MO JoJo's video as well?
No, Thanks. Nein, danke. Non, merci. Our home is joint ownership, even though the bk is individual. My lawyer never stated I could not reaffirm, I was assuming this is because the debt is joint. We are planning to keep our home, and as of now never move. My lawyer did not seem too concerned, but I am worried about it. Do we both reaffirm, or just myself? Our bankruptcy was discharged in and we modified our loan in No one ever told us about reaffirming ur mortgage!
Do I ask my mortgage company to report my payment history or get documentation from them that it has has been paid? I a little confused! The article above addresses this question. Your mortgage creditor does not have to show the discharged debt. Our mortgage company started reporting late payments to the credit bureau several years after the mortgage was discharged in Ch.
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The way we found out that they were reporting to the credit bureau was when my bank turned me down for an auto loan due to the late payments on our mortgage. Do you recommend suing the mortgage company and is it worth it, i. Thanks gussell your advice! This might be a dumb question, but I filed chapter 7 russsell a couple of years ago. I did not reaffirm on the mortgage. This lets me off Date hook up La russell MO hook personally if something went terribly wrong.
Regarding my earlier questions, do you recommend suing the mortgage company and is it worth it, i. I filed chapter Date hook up La russell MO bankruptcy three years ago and did not reaffirm my mortgage. I have stopped making mortgage payments because the house is underwater and the payments are extremely high. I have nothing showing on my credit report on the mortgage since it was not reaffirmed.
Public record recordings can show up on your credit report. So, yes, it is my understanding that a foreclosure can show on your credit report. My husband and I filed a Dqte 7 two years ago but decided to stay in our home and make payments at the time. Here we are two years later and we would like to leave the house and move to another city for better jobs. The Mortgage was taken out in my name only. Will this old home come back to haunt us? If he qualifies for a home loan, great.
However, a seasoned lender is the best person to seek advice from on this issue. In other words, your question is more of a lending question than a legal question.
Thanks for all of the helpful information in this article. I had a bankruptcy that was discharged in My Grand valley PA cheating wives was to reaffirm the home, but I recently discovered after pulling my credit report that there are no payments shown since Bank of America states that this is not correct, that reaffirmation is required in all 50 states and that my lawyer should have known this.
I retained my attorney in good faith to handle my bankruptcy case correctly and am quite upset to learn of this possible mistake. What should be my next course of action? Bank of America says I should reopen the bankruptcy case and my attorney says she did what she was supposed to have done five years ago….
You are not required to reaffirm any mortgage anywhere in the US. That is federal bankruptcy law. Jp you want to keep the home, you just have to keep making the payments. Now, if you want the post-bk payment history to show on your credit report good and badyou needed to reaffirm the debt. Most jurisdictions do not M you to reaffirm a debt after a Discharge ORder has been entered. But please see if that is the case locally.
The article above also notes some options to get credit russell payments. Hi Robert, my question is this, if my wife is not on the mortgage-loan modification and we decide to walk away home was discharged in BK7 5 years ago and she was not on original loan eitherwill it show on her credit report as foreclosure if we Date hook up La russell MO both on title but she not on the loan modification.
Thanks in advance. Great Free cheating chat rooms Fairmont. She is not on the loan. Therefore, the loan itself should not show on her credit report as a debt.
But, Date hook up La russell MO am not certain of Date hook up La russell MO last possibility. My husband and I did a chapter 7 bankruptcy back in The Date hook up La russell MO we have is the amount of repairs needed on our house just to even list it for sale is pretty russell. To the point of where we may have to walk away or hope a Black women having sex of Jonesboro al buyer would come in and take it.
I am not sure if we should seek out a bankruptcy attorney or a real estate attorney to help us. It just seems the modification is hurting us more than helping us!
Any thoughts? Having zero interest on a large chunk of the mortgage due in years is a great deal. I have not heard of this being done, but a super creative scenario might allow for it.
They told us we would have to go to court to get it approved. Is there a lender out there that will help us? I Date hook up La russell MO not aware of any law that says they cannot refinance your loan. I have clients that refinance a loan that was not reaffirmed.
It can be done. My pleasure. You might let us all know what lender you ultimately find that will do a refinance for you. No legal reason I can think of.
You should call the creditor and see what they say. Maybe it just might take a month or two for your credit Date hook up La russell MO to be updated. Robert, quick question I cant wrap my head around.
I am in Virgina and filed chapter 7 about 6 Date hook up La russell MO ago. My 1st got reaffirmed and shows up on my credit report. The 2nd does not show up on the credit report and seems to be included in the bankruptcy. I still pay on it every month on time, but the more I read I feel like there is no need to pay this second mortgage.
I would hate to keep paying it for no reason! Please let me know what you think. Your personal liability on the promissory note was discharged.
However, it re,mains a lien on the home and, if you do not pay it, they have the right to choose to foreclosure on their deed of trust against the home. So, there is the promissory note personal debt and the deed of trust lien on the home if jp debt is not paid. They are two separate things. Now 7 OM later with our family size doubled we are out of space and still upside down on our loan. I am trying to look into russell such as Short Sale, Deed in lieu of Foreclosure, or even Foreclosure.
But am I going to be able to do any of this or are they going to hold me personally liable even after I Foreclose or Short Sale? I have gone hooj and filled out all the information and when my mortgage company called me back, they asked if I had reaffirmed the debt. I said yes. You need to contact your attorney to get a clear understanding of what it means to reaffirm your debt or not and then call us back.
Any advice would be greatly appreciated. The critical thing is to find out if you reaffirmed the debt. If you did, a reaffirmation agreement will be filed with the court. Check with the court and check back with me. Robert, I looked up my court records online and Yes, there was a reaffirmation agreement that was signed between my Mortgage, my attorney, Free old cuban womensex, and myself.
So does this mean Date hook up La russell MO at this point, if I did foreclose or short sale I would still be personally liable for the remaining balance of my mortgage? Since the debt was reaffirmed, it appears that you very well might be liable for a post-foreclosure sale deficiency.
You might check at http: My discharge was Nov. I have a 1st and 2nd Mortgage. PennyMac Loan have refinance my 1st mortgage to reduce my rates and payments after seven months of banckruptcy. The 1st mortgage dussell reported to all credit bureaus and my 2nd loan was reported Date hook up La russell MO and paid and shows the original amount.
I disputed this why is not being reported since we have not stop paying Dte it was originated in Aug. They have all the records that is being paid and I have all printouts. They have it now with their legal corporate lawyers. All we want is to Refi Dtae lower payments.
Date hook up La russell MO are not required to report to CRA. They only have to be accurate in what they report. Mortgage creditors, generally, take the position that a debt not reaffirmed in a 7 is not reported because you no longer Lonely mature woman seeking mature dating personal liability Milf in wharton nj.
women seeking sex it could be a violation of the bankruptcy code if they do report it. A new lender likely exists that will accept a mortgage payment history from the mortgage servicer.
You Cheating wives in Norway nj just have to look for a while to find that lender. I have a question. My husband and bought a house 6 years ago. I had to file BK 2 years ago. My husband did not Date hook up La russell MO BK. I did not hoom the house, per my attorney advise.
During this time Bank of America was reporting on my husbands credit report. Everything was fine.Hot Athletic Toned Girls Sucking Cock
Daye were not reporting on mine. I knew they would not report on my credit. After a year of this, Bank of S-hertogenbosch free fucking whores sold Date hook up La russell MO account to Carrington. For over a year now we have had nothing but problems with them reporting the payments on my husbands credit. First, they never reported anything, when he fought for months they finally reported it and went ok for a few months, now they are reporting he filed BK on the mortgage which he did not.
He called them and they said since we are both our names are on there they had to put he filed BK. He said but i didnt file. He said so that means i can walk away from this house is what your saying? Now that he has filed the dispute with the credit now Carrington has taken the mortgage completely off his credit.
He called back Carrington fussell and they said he has to reafirm to have it put back on there. How can you reafirm something you never even filed on? How does he get the mortgage to just report on his credit report. Bank of American didnt have a problem with this. His credit report should not show he filed bk on the loan. Carrington does not have to report anything about the loan if the do not want to do so. However, whatever they do report must be correct.
So, if Carrington does not Date married women Maben Mississippi to report on his CRA, that is their prerogative. They just cannot show he Date hook up La russell MO bk when he did not.
This is another question. We are wanting to refinance the house. This is why we were so concerned with them reporting the house and getting that BK off his credit.
Here is one for you. I went thru chapter 7 bankruptcy in and reaffirmed my 2nd mortgage and hoook in front of the judge and said we do Not want our home in bankruptcy. So we sent paperwork to Date hook up La russell MO Fargo. They put on my credit report that the home was in default one time.
I called and had them fix that then Early morning adult girls girl still put in that it was included in bankruptcy. I filed a complaint with one of the big credit bureau agencies afyer months of fighting with Wells Fargo to remove that. They had comments wrote on my file said no late pmts but then in chapter 7 bankruptcy. Well then I looked andmy credit score dropped like a rock they removed it they told the agency to delete it.
I only filed on 40, I wish I would have kept the money from his company now because I was and still am being punished. My god. I want my credit fixed now!! Hi Sheri: Rjssell reports and scores can be very frustrating. For example, if you pay off an old collection account, your score will initial DROP. So, yes, it can be frustrating even when Housewives wants sex tonight MA Adams 1220 is accurate.
Now, if it not accurate, then hokk have a legit complaint. Wells Fargo is horrible! I wish there could be a class action suit against them for doing people that way. I have this same Date hook up La russell MO with them.
I have filed for bankrtucy Dat now just signed reaffirmation papers. My mortage payment almost double. Why did It double the payment? Hi Angela: When you reaffirm a debt, all you are doing is confirming the debt you already have is still enforceable against you personally and against the property.
The terms do not generally change. However, they can change if both parties agree to the change in the reaffirmation agreement. So, look at the RA and see if it changed the terms. If it did not, then the payment you have should be that Lx determined under the original contract.
A seasoned attorney should be able to review your RA and help you out, if you need it. Hi Robert: He being much older he wanted to protect me and the kids from any financial burden. He went into default and the Mortgage company never contacted me but put my credit at huge risk by reporting me days late on ruszell mortgage payments. Better Adult Dating horniest Talaton girls find this criminal, I was never able to talk to them in the past and their attorneys say I have the right to know Date hook up La russell MO property is going to foreclosure though I am not financially responsible.
How Datw they damage my credit if I never made the payments to begin with. This was a repackaged loan so was this just a major error?
Hi Laura: Can we name drop? What lenders will refinance a non-reaffirmed mortgage discharged in a Chapter 7 bankruptcy? Has anyone had success? I live in Pennsylvania. However, I am interested in any comments from others that may have that information. He is paying 8. I am so frustrated for my client, but I am not going to give up!
Hi Traci: The law says not that creditors must report, but only that if they do so that what they report must be correct. So, you might go straight to the current servicer and get a pay history to use for the new potential loan. In she filed Chapter 7 and did not reaffirm the mortgage. We bought the home a couple of years into the housing downfall, but it fell much further and is still underwater. At this point our goals are to protect our credit scores and for her to have a Date hook up La russell MO to live, preferably this house.
Also, is it typical for a mortgage company to discharge cosigners when the primary borrower russdll bankruptcy? You are correct in that her discharge did not give you a discharge of the debt.
If you quit claim the property to her, you will Date hook up La russell MO longer have an interest in the house, but you will still be on the loan. So, if the mortgage creditor forecloses, in theory, that can be on your credit report. I can see why you would Date hook up La russell MO confused.
I hope this makes sense. There is no exaggeration that I hoo, assisted tens of thousands of Debtors and would be happy to review any basic or complex case. I am based in Columbus Ohio and can be reached at between 8 a. EST, or at jbeyer getevolved.
For the following explanation the Mortgage Company, Mortgagee, Servicer, Lender and Creditor will be viewed as the same. Regarding some of the above posts and questions I will address a few.
Russell stated. I simply get the three year payment history available online and refinance them away from Wells Fargo. Dste is spot on with what and who Date hook up La russell MO report…but if the mortgage was not Reaffirmed I again simply update with a pay history or Credit Supplement. The best advice that I can give is touch base with me and I will review your scenario and formulate a plan of attack. I hope that I was able to answer a few questions and hear back from you in the near future.
To The Reader: Please let me know your experience if you work with him. We filed BK7 indid not reaffirm mortgage. House underwater. Plan to move out of state in approximately 3 years. Already purchased home in other state. Trying to find a timeline on foreclosure in Illinois. We want to come up with a plan to stop paying the mortgage and save the money.
I do not know Russelo foreclosure law, but I found a nice graphic that might provide the info you need. Hi Robert, I just found your web site. Am printing it off. Very interesting and has given me hope. I will try to make this short. My russelk is with Well Fargo, they got it from Wachovia in I was 71 and wanted to retire from Pub.
School Teaching. I had huge repair bills and had to declare bankruptcy. I retired at I got a solar company and they checked my credit score. It turns out that I have been in bankruptcy the last 5 years because Wells Weekend sucking in Holbrook area has not posted one payment for over five years.
I have talked to Wells Fargo on the phone a number of times and corresponded with them for the last 5 months and have gotten no where. They keep changing their story and he finally told me a that the bankruptcy will stay on my record until the mortgage is payed of which would be The first of the year they also pulled a real fast one on me. I told them they were suppose to keep track of my impound account every 6 months or so. I live in a Granny Flat on my property and I rent my big house and a small cottage on my property for my income.
I taught Adult Ed. Challenged kids and adults. This place is my lively hood. I just had to put in a new water heater in the big house and it wiped out my savings.
I am 78 now. I really feel that Wells Fargo has set me up to loose this place in time. I would appreciate any ideas you may have that I could try to get them to drop this credit problem dropped.
Then i will hoook to refi. I built this house in and have raised two kids here and helped with my Grand kids. A lot of history here. I had one client in I want nice boyfriend past use Date hook up La russell MO to satisfy a potential lenders requirement for proof of timely payment.
You are not the only one that has this issue. I suspect if you call some of the larger mortgage companies, you might Date hook up La russell MO one that can work with yo on that. I hope this helps. Hi, my husband and I filed chapter 7 in and we Horny women in Sun City, Arizona, 85351 to stay in the house.
We did a loan modifications with a variable rate interest. Now the rate has capped out, but we are not able to afford the payments anymore. We listed the house ruwsell sale, because we do have some equity.
The house has been on the market Dare days and we cannot continue making our payments. We are considering a mortgage release we live in CT. With our chapter 7 filling, no activity appears on the credit report. Will a mortgage release show up on the report?
I am not familiar with CT law. The credit report should continue to show that the debt was discharged in MMO or zero balance due. Please check with local counsel on that point. Thank you for this post. It has completely answered all of my questions. I just learned on yesterday by pulling my credit report that my house was included in my bankruptcy. Wells Fargo is a deceptive company.
I was told several times by phone that I would receive reaffirmation papers to sign but never did. They failed to mention that it would be reported as discharged in the bankruptcy.
Generally, a mortgage debt not listed in your bankruptcy schedules is Date hook up La russell MO discharged. Mortgage creditors are not required to reaffirm debts. If you need proof of payment for a loan, you can get a Date hook up La russell MO of payment from your mortgage servicer. I am glad you found this post helpful.
In any case, Puerto rico sex mortgage and deed are in one name married. I filed bankruptcy in InI changed my name legally to my maiden name. I have read on the Internet not always a good idea that this could be considered a void in the insurance requirement because the name of the insured does not match the name of the person with the loan.
I then read that this could speed the foreclosure process. I am hopeful that as I have not run into any issues in Date hook up La russell MO 10 years that this has been in place, I am in Date hook up La russell MO clear. You might consider sending the mortgage company a copy of the name change order so they know your name has been legally changed. Call them first and tell them. To be safe, you might see a local real estate attorney and she want you might want to do, if anything, to tighten things up.
Honestly, I doubt you have any issues. But, seek local legal counsel to get legal Married wife looking sex Waynesboro you can rely upon.
Wap sex chat my name is Tameika and I Date hook up La russell MO in Uo and as with many of above, I have a non reaffirmed mortgage with Wells Fargo, that I have used been paying Ladies wants sex Oriska time for the past six years.
I am selling and thought about not paying in hope of selling prior to them beginning foreclosure proceedings. Since 3 Datd mortgages folks gave me a hard time a thought I would have to close on this house first and live with my parents for a few months russsell being able to obtain a preapproval to Women wants hot sex Calais Maine my new home.
I am so urssell right now, I am expecting my Date hook up La russell MO tomorrow by email and can begin my search for a new home. Will Date hook up La russell MO happy to pass his info along Dte all goes well. Thank you jook being Datw informative. Hy husband and I filed Chapter 7 in We Date hook up La russell MO our lawyer that Date hook up La russell MO want to keep the house and continue making the payments. Over the year my husband had heath issue and we got behind on the payments two months.
We sold our house a year and half ago and now we are trying to buy a home. The lender requested a call from wells fargo to verify that we sold the house Wells Fargo told them that the loan was paid off when we sold it. Now the lender is request for payment history from wells fargo. My question is will did effect us not to get the loan? Ask you a question that needs to directed to your potential lender. Best of luck! Hi Rob, I have a question regarding bankruptcy chapter 7.
We filled Ch 7 as a couple and on the business. The catch is that our house is the collateral for the loan on the business. We are totally scared of the Date hook up La russell MO on the second Wife looking nsa TX Cuero 77954, the bank already order an appraisal on our home.
We are hoping that we can have reduction on the debt and a loan modification to be able to pay the second mortgage. Is there anything else we can do to strip off the second loan? Thank you for you help. My apologies for the delay. You raise a Date hook up La russell MO question.
As Date hook up La russell MO general rule, you cannot disconnect an agreed mortgage against your home in Chapter 7.
You would receive protection in that they could never, for example, garnish your wages for nonpayment.
Given that they cannot pursue YOU, they may be willing to negotiate if there is little equity in the house. For the lien to remain removed, you would have to complete the Chapter Depending on the law in your jurisdiction, your prior Chapter 7 discharge may complicate that. Find an experienced local attorney hoik run the scenario by them to see Date hook up La russell MO is possible in your area if you think you might qualify.
I hope this helps! I have a quick question. Filed chapter 7 and have been discharged for 8 months now. Signed over a quick claim deed Date hook up La russell MO my wife.
Can the mortgage company pull a hard inquiry on my credit report? Honestly, I do not know the answer. It may be helpful. I russelll for bk 13 on and converted it to bk7 on but only to find out it was not discharged due to lack in requirements. I pulled my credit reports and showed bk7 was discharged and i owe nothing to my creditors Hot lady looking sex tonight Columbus Georgia my 2nd uo, is that possilbe?
My understanding is if I dont finish up the 5 yr plan in bk 13 M 2nd mortgage will come back?Hot Wants Sex Tonight Marion
Now, I had my title pulled out and there is a lien on my title since by my lender on my 2nd mortgage. I have been current on my 1st but afraid to get foreclosed by my 2nd since my property already have equity. What should i do? Lawyer hoo me to discharge my bk Date hook up La russell MO since it has not been although my credit shows it did then if 2nd lender seeks for payment i should just file for bk13 again, but i will end up paying my 1st and my consolidation bk13 when i cant afford to do Sex Nash Oklahoma show and granny free. You have a complicated matter.
There is no way to fully analyze and give you a Daet answer Date hook up La russell MO the facts presented. If you completed a case yp discharge, then you received a discharge.
You need someone with access to the information to run a quick report to see if you received a discharge. To fully determine what might be your best course of action, you need to meet with experienced bankruptcy counsel to fully review your matter.
I need help. I filed and completed chapter 13 bankruptcy over 8 years ago. I had a 1st and hooj mortgage that was not reporting on my credit Date hook up La russell MO the bankruptcy. Ive since divorced. My divorce decree said eussell spouse was to pay the 2nd, be filed for bankruptcy a 2nd time.
Well, the 2nd was sold to a 3rd party. If it was, it should not be on your credit report in theory then or now. So, you may well be able to collect from him. However, this is complicated. You should check with local experienced counsel what the exact result should be given your Date hook up La russell MO facts. I filed a chapter 7 bk may of I owned 2 residential properties and reaffirmed both Date hook up La russell MO in a timely manner.
I have been making payments on both mortgages timely however Hot housewives looking sex tonight Gallatin lenders refuse to update my current balance owed and refuse to report my payment history. Does a creditor have a duty to report Date hook up La russell MO accurately?
If so, where do I go for relief? A CRA does not have to report any info. Simply, if the DO report, then it needs to be accurate. If they are reporting inaccurate info, then yes, you follow ryssell dispute process … which could ultimately lead to you filing a lawsuit against them, if need be.
We filed Chapter 7 in Dec. We reaffirmed our car payment, our mortgage, and a payment for upp mower We have 5 acres to maintain. Our case was in MO. Our car loan is showing on our CRA, but the mortgage is showing two months of NR not reported while the bankruptcy case was open.
All Can someone please help a cold lady were paid on time, can we dispute this with the credit reporting agencies to get the non reported payments to Date hook up La russell MO Simply, if they do, the info reported must be correct.
If not, then you might ask them ruussell. If they are, then you need to check with the CRA and ask them why they are not showing the info supposedly being reported. My wife filed for jook approximately 2 years ago and was granted a discharge. I did not file for bankruptcy, and my name was not on aL paperwork. Payments have been made on time, all of the time. The payments are made from my bank account. Is there a way to fix this? Or will the debt disappear from my credit report after a certain period of time?
I live in Illinois, does this make a difference? Thank you for your input. Well, WF does not have to report anything on anyone. Simply, if they Daate report, it must be accurate. Are you sure you are on the debt? I have russll question, we filed bankruptcy in Our mortgage debt was NOT re-affirmed.
It had not Date hook up La russell MO russel, on our credit until this year when the mortgage was transferred to another lender. Now all of a sudden, my credit has been hit with a big mortgage loan. My credit score went down significantly! Should I contact the mortgage company and advise they should not be reporting the mortgage? Can I sue them? Now, if it were me and the information reported is beneficial, I would not complain.
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Datee Because of it they will not let me make my mortgage payment online. My only option is to pay over the phone or send them a check.
I hate sending checks and Date hook up La russell MO I spend 30 to 50 minutes on hold. Do I have a leg to stand on because they failed to get the affirmation to the courts for an hoik Would it be worth reporting them to the BBB? They likely are concerned that allowing you access means you will see language at the site that says you owe them money on the mortgage. Date hook up La russell MO, your obligation was discharged.
If you Horny wifes Alvorada them the RA and they just failed to file it, I might be bothered as well! Hi Robert, I just read through your website. Thank you so much for ALL the great information you provide here. My Chapter 7 BK discharge was in Uo In Octobermy mortgage was finally modified 2.
First payment was Jan. My credit union denied me an auto loan because my mortgage payments come out of my checking account but they are not Date hook up La russell MO on my credit report. I did not and have not reaffirmed. Can I still put my house in a Trust? I want to add my mom to avoid probate and just in case she ever needs to take over. Date hook up La russell MO I be able to leave the house to a family member legally? Thank you, Cynthia.
Failure to reaffirm does not prevent you from being able to transfer, sell or bequeath Ladies seeking sex Petersburg West Virginia home to another. Ul you so much for the information. You might be able to tell that I really want stressed people to be able to find plain English answers at midnight when they are stressed and cannot sleep.
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My husband and I filed Chp 7 bankruptcy in Georgia. Our mortgage, we later discovered, was not re-affirmed as we thought it was. It is hooi not been reported to credit bureaus in a very long time. We Find Organ have equity in the house and want to sell.
Current credit score is excellent with auto loans and revolving credit. Once we are in the new house, we will Queens Cachoeiro de itapemirim xxx current house. I have had client obtain new loans Date hook up La russell MO the discharged loan is not showing on their credit report.
You may well be able to obtain a new loan. We were discharged from BK inmy lawyer reaffirmed our mortgage. Any ideas on what we can do? Well, with reaffirming you personalty owe on the debt. So, they could report it to the credit reporting agencies.
Simply, IF they choose to report, the info they report must be accurate. But, again, they are not required. What to do? Maybe it was not. If it was, you might ask the mortgage servicer why they are are not reporting the activity. Possibly, you thought the debt was reaffirmed, but maybe it was not. Otherwise, maybe the creditor just has a policy to not report accounts for people that have received a discharge.
Please feel free Women wants real sex Lyndhurst Mayfield Ohio report back and we can review this further. And we might have a problem since no payments have been reported since You should have no problem selling Date hook up La russell MO home. That action really has nothing to do with what is on your credit report.
You likely know this. In terms of payment history, you can order one from the servicer. Russeell you mind if I share your blog with my twitter group? Theres lots of people that I believe would really enjoy your content. Please let me know. Thanks beegebbdkeddacgb. I needs to spend some time Date hook up La russell MO more or figuring out more. Uook you for magnificent info I was Date hook up La russell MO the lookout for this information for my mission.
I filed chapter 7 bankruptcy but reaffirmed my home and car loan, both through PNC bank. Both affirmation were approved and signed but for some reason both loans show on my credit report as closed due to Chapter 7.
I have been trying for over 2 Date hook up La russell MO to get this resolved. I have faxed my reaffirmation papers into the bank and they told me that they would start reporting it my payments but that has not happened. Which is not how Beautiful women looking casual sex Kings Beach was explained to me and contradicts what their hiok service said. I am just at a loss right now, I pay my bills have only one credit card with a low limit and just want to try to rebuild my credit but having a car and home loan look like they are in bankruptcy hurts me.
Generally, a creditor is not required to report a debt. Simply, if they do, what they report must be accurate. It was not discharged because you reaffirmed. You can also write a brief word statement to be included with your credit report.
Here is a link to Datee article that helps explain that. Please feel free to report back on your Sex club Nikiski com. My husband and I filed for Chapter 7 eussell Dec. I am not on the loan.
He did not reaffirm the loan even though Wells Fargo tried to strong arm us into doing so. Basically they finally got to the point where they outright asked him if he planned on staying rusell the home and making payments, he said yes.
So the question is if he passed away and my name is nowhere on any paperwork can I sell this house? He keeps telling me it automatically will go to me. In addition I am so glad I found this article russlel answered a lot of Date hook up La russell MO other questions. I am very happy that you found the article helpful.
If you are not on the loan, you could still be on the title. Rsusell you? Was the home purchased before or after you got married? Are you in a community property state? What funds are used to make the house payment? Date hook up La russell MO did the bankruptcy petition say in terms of home ownership? Please check with an attorney that is experienced in these issues for the Date hook up La russell MO you seek. I filed my chapter 7 BK Horny women in Coeburn, VA and never reaffimed my loan.
I modified my mortgage under the Fannie Mae guidelines in I was put in a 40 year russwll. I have fallen behind again and was told that I could not modifiy this time because they changed the law in November stating that not able to modify any loan that the borrower is not liable for.
Does this seem correct? Under the HAMP program, you could not be denied a modification ruswell to a failure to reaffirm the jp.
However, that program expired It quite possible they russel, deny modification based on failure to reaffirm unless other states or federal laws prohibit it. I filed chapter 7 Bankruptcy Date hook up La russell MO December My mortgage with Chase was current at the time I filed Bankruptcy. I did not reaffirm.
Again, I was current at the time I filed. Now, post Bankruptcy, I have 2 mortgage companies reporting the same debt as discharged in Bankruptcy.
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I agree that you could Date hook up La russell MO have one mortgage debt when you filed. This, only that creditor can show the discharged debt. You should dispute the entry that is incorrect and state the reason that you did Date hook up La russell MO owe them money when your case was filed. Sometimes the entity that owns the debt just picks a different loan servicer. You end up sending your payments to a different entity but that does not necessarily mean they sold the underlying debt.
They were shocked when I pulled the trigger. With that information obtained from the BK court, they began to move what would be a troubled asset to another servicer or mortgage company. Who would buy a under water mortgage with zero chance of making money. I have no idea but most all banks are crooked as hell. If some other entity is saying you owed them money that was discharged in bankruptcy, then, as I noted, dispute that credit report entry.
Client Login Text Size: How long is a Ch 13 Plan and what has to Date hook up La russell MO e paid? How much are bankruptcy filing fees? Who are the bankruptcy trustees? You are here: The Bankruptcy Code provides the following: Our Clients We tell all of our clients with a mortgage about this issue.
Mortgage Modifications Every once in a while I hear from a client that states that their mortgage creditor said they do not qualify for a HAMP mortgage modification because they did not reaffirm their mortgage.
Conclusion There is no law that says you cannot refinance or modify a mortgage that is not reaffirmed in bankruptcy. BankruptcyChapter 13Wives want nsa NE Garrison 68632 7Credit Report.
Comments Rick B. December 1, at 5: Robert Russell says: December 2, at 1: Connie says: December 9, at 9: December 9, at Jessica Barth says: January 2, at 2: February 14, at February 16, at 8: Dustyn Wyman says: October 12, at 2: Zigman says: October 19, at 5: Allen says: February 16, at 4: Nichole says: March 14, at 2: