I filed a chapter 13 a year ago and it was approved in Nov.
I filed a chapter 13 a year ago and it was approved in Nov. 2015. It included 4 months of my mortgage payments as well as some medical debt. I'm going through a divorce and my daughter had some medical issues and I got behind on my payments again. I just received a motion for relief from the auto stay from the mortgage company with a courdate. I'm just trying to find out if I get these payments paid up to date before the court date, can I keep the stay in place?JA: What state are you in? And has anything been officially filed?Customer: Georgia. yes there has been documents filed. My BK attorney isn't very responsive.JA: Has anything been filed in civil court? If so, what?Customer: as in foreclosure?JA: Anything else you want the lawyer to know before I connect you?Customer: There was a pre-foreclosure that prompted the chap 13 bk filing but the stay stopped it. no, nothing else.
I have a client (I'm a realtor) who is facing foreclosure.
HiJA: Hello. What seems to be the problem?Customer: I have a client (I'm a realtor) who is facing foreclosure. She also needs to file chapter 7. Her husband doesn't work and she only makes $700/wk. what is better to keep her in her house the longest- short sale first and then do ch 7?JA: Since laws vary from place to place, what state is this in? And has any paperwork been filed?Customer: NJJA: Has anything been filed or reported?Customer: Sheriff sale for 2nd lien- 1st lien lis pendensJA: Anything else you want the lawyer to know before I connect you?Customer: no
4 years ago, I bought a Motorhome from a man in Phoenix
4 years ago, I bought a Motorhome from a young man in Phoenix Oregon for $3900.00 and I made payments to him for less than 6 months and paid it off, but I never got the title to the motorhome. after I paid off the Motorhome I moved away and the motorhome was stolen. after that I went to the DMV to see about getting a lost title to find out that the young man I bought it from never put the Motorhome in his name either and that it was still in his grand fathers name. I never did get around to putting the Motorhome into my name and as of today it is still in his grand fathers name. Now in the meantime 2 yyears ago the young man got into trouble and needed money and since I paid him cash and I lived up the road from where he used to live, he sued me in court to put a lien on my home property saying I never paid him. I could not make it to court because I was stuck in a snow storm and could not make it over the mountain 4 hours away to the court house so I called that morning to see if judge would let me do court over the phone, but the judge never did get on the phone with me so I lost the case because I was not there. Now here I am selling my home and there is a lien on it and I am wondering since the kid doesn't have the title in his name can this lien be tossed out since he really couldn't have sued me since he is not the owner of the Motorhome that he sold to me?? I am just wondering if there is any recourse?? Let me know what you think I should do ?
I am considering buying a property at auction. This property
I am considering buying a property at auction. This property was recently foreclosed by J P Morgan Chase and is now listed fore sale at auctions.com.JA: Since laws vary from place to place, what state is this in? And has any paperwork been filed?Customer: Further research by me has disclosed that there is a subordinate mortgage on this property by H.U.D. (Housing and Urban Development) for $5412.33 and a child support lien issued against the property's former owner for $15,959.27 plus interest. My question to you is: Does the subordinate mortage and/or the child support fall off at closing without having to be paid by me? This property is in Comal County, Texas.JA: Has anything been filed or reported?Customer: Both the child support lien and the subordinate mortgage are recorded at the Comal County Clerks officeJA: Anything else you want the lawyer to know before I connect you?Customer: no
Can you tell what this means? Background: I submitted a
Can you tell what this means?Background: I submitted a complaint about a loan servicer to Consumer Financial Protection Board. It was right after the loan servicer had sent my loan to be serviced by another company, but it was unrelated to that.This is what CFPB replied:Subject: Your submission, number xxxxx-xxxxx"We reviewed the complaint you submitted and sent it to the company for a response. The company was unable to respond to the complaint without authorization from the consumer. At this point, no further action will be taken on this complaint. The consumer can submit a complaint on his or her own behalf or authorize someone to submit a complaint on their behalf."I submitted it on my own behalf, for what it's worth.I was not contacted by anyone seeking my authorization.In my view and that of most people, the act of submitting a complaint on CFPB means that CFPB will contact the company and will invite the company to respond to specific allegations with specific information.I will submit it again and include the loan mod contract documents and application form. I will not include my loan payment history or any loan statements. The loan is in good standing and has been for years.I would like to include a signed authorization stating that the company may discuss the enclosed documents with CFPB.Is that a good idea?Also, does it sound like this loan servicer is playing around?
I have NOTyet got a simple answer to my question? I'm filing
I have NOTyet got a simple answer to my question? I'm filing an appeal to the 2nd District Court of Appeal for a final judgement on foreclosure a Notice of Appeal.1) What is the date that I start counting 30 days from: Sept 8 (signed by Judge), 9/8 date FILED, or 9/13 date stamped on last page with clerks name?2) When I file the Notice of Appeal...do I attach the IN REM FINAL JUDGEMENT OF FORECLOSURE (9/8) AND??? the NOTICE OF SALE (9/13)?3) Do I include extra copies to be sent to 2nd District Court of Appeals4) Do I include a check for x$ made out to whom?5) Any other points (used rule 9.900 for form)Thank you
Unfair collection practice? We filed chaper 7 in 2009. We
Unfair collection practice? We filed chaper 7 in 2009. We continued to be billed by our second mortgage company including notice of payment adjustment when our 2nd (a HELOC) adjusted. We were told we could "renew" or explore other options to keep payments lower. I have since found out that the 2nd was not reaffirmed in chpt 7. We are current and have never missed a payment on the HELOC even though it was discharged. We would like to keep the house and avoid having it foreclosed due to 2nd lien. I am wondering if Citibank has been illegally trying to collect on a discharged debt and what potential remedies are.
Bk law in Md-USA. I have a client to whom I am helping to do
Bk law in Md-USA . I have a client to whom I am helping to do a short sale. He said that in 2009 he tried to do BK chapter 7 but the attorney he hired was under investigation . He ended up getting his money back but a year ago his house was about to go in Foreclosure so he tried to get file bk but the attorney told him that his bk was dismissed because he did not show up in court or provided docs. It seems that somebody/attorney that my client do not authorized filed bk for him but never finished . What can he do at this time ? He wants to file bk the attorney told him he ca not . Please let me know . Thank you.
Will I be affected if property left to cousins goes into foreclosure?
My dad passed away 13 years ago and left two houses to my three cousins. They just quit paying mortgage. I received a certified letter saying the bank has started foreclosure proceedings. Am I responsible for paying anything? I live in NY and my aunt was the executor when the estate was settled. I am the only child. If I let it go into foreclosure, am I responsible or the ones named in the trust? Will it affect my credit?