Sameastheotherguy

BUMP

Looking at the paper work I see that the payoff is adressed to a "client trust account" that would lead me to think that maybe that do not own the note and are Collecting for Litton loan.....

I am trying to refinance my house due to divorce to pay my exwife half the equity. I have a defaulted home improvement loan from 2002. The OC was litton loan they apparently sold the loan or have a CA Dyck O'neal. My broker has contacted Dyck Oneal and they are now demanding almost double the lein price due to interest. My broker said they are willing to negotiate??? I'm not sure if they bought the note of are acting on behaf of Litton Loan? NOt sure what to do? please advise!

I sent the OC (dentist office)the First Hippa letter with payment in full cashiers check. Once I got my green card back I sent the follow up Hippa letter to the OC and all three CRA's. Then the CA sent me my check back with the word REFUSED written across it and a letter stating I need to remit payment without restrictions & I need to make the check out to them. There has to be some violations here !!! What to do next ??? SUE?

bump

I am going to attempt the dreaded Chase Mortgage Goodwill letter to remove two 30 day lates. Should I send it CRRR? Also should I ATTN: it to a certain department???.....

To pay the defaulted loan can I negotiate or do I have to pay the original lein amount. Thanks VA loan Guy!

I owe 93K on the first 35K on the 2nd House value is around 240K, I really have no idea of my credit score. Guess I need to get that info. I just want to know if a refi is even possible with a defaulted 2nd mortgage?

About 4 years ago I BK'd. At that time I had a home improvent loan oustanding for 35K The loan company for the 2nd mortgage cashed my next four payments without deducting anything from my account. I called the next month and the person stated I was in default??? Being the salamander I am I figgured the account was closed and I was done. But I am not that lucky. I have a lein on my house for the 35K. I am now getting divorced and have to either re-finance or sell. Is it even remotly possible to obtain a new loan and payoff the 1st & 35K 2nd? I have done nothing to improve ( or hurt ) my credit after the BK four years ago. Thank you to all who reply!!