getting my house

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About getting my house

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  1. Thanks willing. There is a lein on the property from the Chap 7. Like I mentioned above they were advised by their lawyer to file a 13 after the fact to get rid of the lein and never did. As well this JDB is somehow foreclosing on the entire property on defaulted second mortgages. On another website someone mentioned if the JDB is willing to service the first loan then they can foreclose. That's a huge risk in my book. One of the homes this company forecolsed on is listed for sale. Thanks for your feedback.
  2. Hi Everyone, I apologize in advance if I am in the wrong forum. I am posting on behalf of a dear friend of mine. Here is what I know: We are in Arizona 2007 Refinanced and took out second mortgage 1st = 200K 2nd = 85K Approx 2009 they filed Chapter 7 which included discharging the 2nd mortgage (Nov 2010). They were advised at that point to file Chapter 13 a few months later to remove the lien on the second, but they never did. Fast forward almost 4 years later. They are CURRENT on their first mortgage with a balance of approx $180 They received a letter from Trustee Corps the trustee for "Partners for Payment relief" stating they will foreclose on the SECOND mortgage unless they do one of the following: do a loan mod with PPR, forebearance, Deed in Lieu, repayment plan, reinstatement of loan, short sale, assumption of loan. Basically give us your house. The biggest unbknown right now is whether they have equity or not. googled PPR and they sound REALLY BAD. Here's a page a found: http://www.complaints.com/2012/janu...ss_with_Partner_s_for_Payment_Reli_263057.htm Sounds like JDB to me Looked at county recorded docs and they have indeed foreclosed on people here in AZ. And the paper trail is ridiculous: Bank assigns to a trustee, trustee assigns to PPR, PPR assigns to Trustee Corps, Trustee Corp files foreclosure sale paperwork, foreclosure occurs, Trustee Corps assigns back to PPR. In some cases PPR assigns deed to some investor (this may be the assumption part), who then may foreclose. They also have a few lawsuits out there in AZ and other states. What I am wondering is there anything they can do besides a Chap 13 (so long as they are underwater on the first) or 11 to stop the foreclosure. I posted on "lawyer will answer your question" website and one lawyer stated: We have had some discharged lenders holding second mortgages and their debt buyers threaten foreclosure even though the debts were largely or entirely under water. We have suggested to them that this technique is a violation of the discharge order since it is a bad faith effort to force collection of a discharged debt. We have also suggested to the debt buyers that they are violating the FDCPA as well. So far, they have all backed off. Anybody ever deal with this? Sued people like this? Won? It seems like this should be illegal, but I havent heard that yet since the second lein is still in place. I also believe this is going to be a big thing in the near future - Note buyers on defaulted mortgages - since some housing areas are on the comeback. Thanks Much in advance
  3. thanks to all of you for the info. I never thought to look at the online pdf statements - I will check that tonight - I will also call and see if they will waive the fee and then cancel. I have worked SOOOO hard to bring my scores up and rebuild my credit that I do not want to mess it up BUT I also DO NOT want to pay $39 for a card I want to cancel. Thanks again - will post results gail
  4. I don't get statements - paperless method - looked around for the terms online couldn't find them - started googling and came up empty too - that was my first line of action, but no such luck
  5. Just noticed that orchard assessed the annual $39 "membership" fee - Called to find out if it is for 2009 or 2010 - they say 2010 - Used it for one purchase this holiday season - payment is posting tomorrow. They say it should have been assessed on Nov 28 but it didn't post til 12/21 (8 days ago) - No email, nothing - go figure. So my question is what are the chances of canceling and NOT paying the annual fee since it is for 2010 and I will cancel on 12/30......... Off to research some more Thanks Gail
  6. Just thought I would post, for informational purposes, that I had 8 student loans that were late back in 2001 that have been moved from late/bad accounts to paid/never late good accounts on experian. I had tried to dispute awhile back but nothing came of that, so I waited patiently . Checked my experian this morn and all 8 have been moved to good accounts and, as I stated above, have been changed to paid/never late. On a side note I did consolidate all the student loans back in 2002 to reduce my monthly payment, which with my current budget will be paid off Sept 2009. WAHOO Just thought I would share - Checked myfico - 31 point jump from Feb - Feb=653 June=684 WAHOO -
  7. Thanks for all the reply's. Guess I will filll out the form and let it go. You would think there would be another way to check criminal history rather than thru a credit report.
  8. I did a search but did bot find what I was looking for, or rather pertained to my situation, so I thought I would ask. Going to speak to a recruiter tomorrow re: a construction project coordinator job - nothing to do with money or finances, just paperwork for construction jobs. This is my first meeting with them. Have not spoken to or know about the company with the actual position. Recruiter sent an email with app and background check form - Not to keen on it only because it is my credit and I worked hard over the last couple of years fixing it so we could get the mortgage we have - sorry I digressed. Anywho - most of the posts I read re: background checks the people were in finance or security positions where lots of money would be around. This is construction apaperwork, inspections etc Does it seem odd for a recruiter to ask for this before even interviewing with the potential company? Could I / Should I stave this off somehow? And lastly - is this a hard or soft pull? I am thinking it will be a hard pull and stick for 2 years - don't like that either. Thanks a bunch - will do more searching in the A M
  9. OMG - That Is Freakin Hysterical!!!!!!!!!!!!!! And I am a "newlywed"
  10. Hiblues - thx for the link to amex - my husband has american express, don't know if I can sign up for myself without being an AU but I will look into it. I think TC/TU is trying to increase profit - go figure - so the loss of 9.95/month clients probably doesn't matter as much if they are getting people signed up for 14.95/month or more - I would think it all balances out in the end for them. I just think it is VERY poor CS and customer loyality - you cut someone off you know has been with you for 2 years straight just so you can make an extra 5/month - that's 60/year. Oh well - life goes on. thanks again for the link - I was going to search this board for monitoring services I know alot of them have been discussed.
  11. So for the past 2 years I have had TC 3 in 1 monitoring paying 9.95/month - I went to try and update my report yesterday but it asked me for my credit card info so it could charge me 14.95. I clicked cancel because why should I pay for something I am already getting charged for, at least that was what I thought it was doing. So of course I call CS 3 times today because I thought yesterday was a glitch - 2ce they tell me I cancelled my account yesterday - then I look thru the agreement online, which states you can only cancel by phone - hmmm - so I call CS again and ask if it is possible to cancel online - she says no - so I ask how my monitoring got cancelled since all I was trying to do was update my report. She looks into it and tells me that yesterday when I was trying to update my report it asked for CC update info SO that they could start charging me 14.95/month and because I hit cancel to that page yesterday it cancelled my entire subscription, even though I can't cancel online. LOVELY. And I have a pending transaction on my checking account for 9.95 - we shall see if it goes thru - if so that will be fun getting it back. Just wanted to give an update to everyone in case they run into the same problem. I am looking into other monitoring services. Thanks for listening
  12. End of April Cap one reports a $400 increase in balance - MyFico emails and says my score increased by 6 points - strange but cool. And as we all know Cap 1 does not report your credit limit. Orchard bank reports a balance increase from $0 to $16 and my score drops 8 points. And they do report the limit. That sounds a bit strange - thought I would share. And I think the reason for the score changes is because Cap doesn't report limit and orchard does. I will reread the sticky about scoring.
  13. Tues morn - can't update in AZ - couldn't update Mon either.
  14. Disputes ended - CA dropped of TU - updated with no change that I can see thru TC on EX and EQ. No score change on TC Do I MOV or ITS? I am thinking for a paper trail I MOV first. Any input appreciated. Thanks
  15. I have a settled CA TL that says it won't fall off until 2010 when it should be gone already (OC fell off last year) I sent CA a letter per this post http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=260793 Disputed with CRA's (dipsute ends 2/7/07) CA verified to TU (who still has the note "disputed by consumer") and EQ Is my next step ITS once the dipsutes end? Thanks