This has afforded me to live in places I only dreamed of and buy houses I never imaged owning. It was the return of my dream car years ago a Chrysler 300☺️that started me on this credit journey after the dealer decided to change the financing terms once I had left with the car. The embarrassment I felt after showing my family my new car and having to return it crushed me. I had horrible credit but a large down payment and they wanted it so they let me leave with the car only to increase the monthly note by hundreds the Monday. I purchased the car over the weekend. Years later I was driving a MB EQS450 a $125000 car.

Well the credit ride is about to end, why? Health. I was recently diagnosed with a heart condition that can cause sudden death and I have been forced to leave my job and move closer to better medical care. I don't have the energy to try and keep any of this junk, the house, the car, the furniture, none of it at this point is worth fighting to keep. The stress alone of trying to sell the house, etc would probably do me in so I decided to request a deed in lieu of foreclosure and if they accept it good if not I am mailing in the keys and walking away. I know the risk I face and I don't care.

The stress I have endured trying to maintain this lifestyle is one of the contributors to my health decline. All this sh*t means nothing without good health. Thanks credit boards, you took me from 300s to 800+. Say a lil prayer for me! Health is the real Wealth!

Corporate owner:

Bank of America.

Department:

Home Retention Division.

Contact:

Call the customer service telephone number on your loan statement.

Call (800) 669-6607.

Web site: www.homebycountrywide.com.

Noted qualifications:

Proven financial hardship.

Target debt-to-income (DTI) ratio: 34 percent.

Options:

Temporary forbearance.

Repayment plan for missed payments.

Interest rate reduction.

Extension of loan term.

Re-amortization of loan balance.

Foreclosure stay.

Refinancing.

Short sale.

Deed in lieu of foreclosure.

Letters:

Letters are being sent to borrowers who are 60 days delinquent or who are deemed likely to become delinquent based on a computer model that crunches the borrower's credit score, payment history, debt-to-income ratio, home value, interest rate reset and other factors. If you don't get a letter, that doesn't necessarily mean you won't qualify.

https://customers.countrywide.com/secure/FH...rt_login254.asp

Back in 2008 my house was about $80k in upside down, but now it is getting back to the value I bought it at.

I'm getting concerned that if the value flips to positive, that Citi could foreclose. What is the best way to go about settling with them? Should I call and offer to settle?

I hope you're all doing well. I have a question regarding obtaining a loan for real estate purposes. I've been considering investing in a property, but I'm not entirely sure how to go about financing it. Can anyone shed some light on the options available for getting a loan specifically for real estate?

Are there any specific requirements or qualifications I should be aware of? I would greatly appreciate any insights or personal experiences you can share. 

Cheers, 

cAN i FILE A CIVIL ACTION SUIT AGAINST A MORTGAGE SERVICER FOR NOT PROVIDING ME THE NAME OR NAMES OF THE COMPANY OR INVESTORS THAT ARE HOLDING THE nOTE ON MY PROPERTY? iS IT A fEDERAL LAW TO WHICH THAT NEED TO PROVIDE ME WITH THE CORRECT INFORMATION i AM REQUESTING?

tHANK YOU FOR YOUR HELP AND YOUR REPLIES.

ACESFULL

I was required to make 6 months of trial payments before the modification would be permanent.  I made all these payments on time, however they weren't reported to the CRAs.  It shows on my CRA as - Data Unavailable

I spoke to my mortgage company a few times during the trial period inquiring why they weren't being reported. I was told by two different reps that they would all be reported once the trial period was over and resumed making payments. One rep said he would also forward my inquiry to the dept that reports payment info to the CRAs. 

Just curious if anyone else had a loan modification and whether the trial payments were reported. Not sure how the 'Data Unavailable' reflects on credit score, but if I can get 6 more months of positive, on time payments, I'm thinking it will help my credit score.  Thanks in advance!

10/27/20 - requested 3 month forbearance from lender online.

10/28/20 - status update online said "RFA passed," I thought this meant forbearance was approved so I didn't make Nov or Dec payments.

12/10/20 - received letter in mail for collections from lender, called lender and they said my original request was still being reviewed.  They emailed some guy to speed up my request.

12/17 - 1/27 - weekly calls to find out status, they told me not to make any payments or it would be applied to November as a late payment.  They said the only way to remove the lates was for forbearance to be approved for those months.

1/27/21 - forbearance was finally approved, but only for Dec, Jan, and Feb.  I called and told them they approved the wrong 3 months.  Asked them to shift it to Nov, Dec, Jan because I was ready to resume payments.  They said they would email the "some guy" again and ask for Nov to be added.  Still instructed me not to make payments yet.

2/17/21 - forbearance and payment deferral plan was approved for Nov, Dec, Jan, Feb, and Mar.  Email said the account would be brought current on 3/1 and I should resume payments on 4/1.  I emailed to ask if the lates would be corrected on my report and they said yes and that they sent a request to all 3 to correct.

3/5/21 - reports updated current, but the 2 lates remained.  I filed online disputes with all 3 and uploaded support documentation of email and forbearance/deferral plan.  Emailed the lender about the lates again.

3/8/21 - lender emailed they sent my request to the credit reporting dept.

3/17/21 - Experian finished their dispute and didn't remove the lates.

Back in early 2000's, I owned about 85 "units" apartments, homes, etc.   With downturn, I pretty much lost everything and had to sell and short sale properties.  One of these properties had a mortgage with Bank of America.  This was the only home I couldn't short sale, because Bank of America would never process paperwork, etc. I just gave up on it.  I had a tenant in place.  Next thing I knew, they quit paying the escrowed taxes and insurance.  I picked those up on my own.  This was back in 2010 or so.    I had not heard anything from anyone from that point forward.  I have been thinking of selling the property and had title work pulled.  The mortgage still shows on property.  I called Bank of America who sold it to good old Portfolio Servicing in 2011.  Last time it was on my credit report was at least 9 years ago(still showed as Bank of America).  It's now been 10 years.  I called Portfolio Servicing, they show that they charged this off back in 2011(I guess that explains why they quit paying the taxes and insurance that was escrowed).  I asked for balance amount, they told me, it was about what I owed at that time.  

I'm thinking of selling and trying to figure my options out here.  He said I can send them a letter with an offer amount and see if they would accept, then it would clear this off title and they would release the mortgage.  I asked if I get this accepted if it would hit my credit report.  He wasn't for sure.  He said they wouldn't pursue me at all now since it was charged off over 10 years ago.    When I was on the phone, they didn't ask for my updated phone #, mailing address, etc, etc. like a normal "collector" would do.  

Let say I make and offer and they don't accept, can they technically or potentially still go after me even though it's been 10 years?  I'm trying to not poke the bear, but wouldn't mind getting this thing sold now and off my hands.  My FICO score is over 800 so don't want to mess that up.

I am a real estate broker and I did a lot of short sales in the day and also negotiated the 2nd liens for people .  Most banks would take 10% of the 2nd mortgage as payment in full on the 2nd.  I'm trying to figure out what I could request for a 1st mortgage that was charged off more than 10 years ago and have never heard since that point?  

Thanks!

Craig

My original mortgage was in forbearance (was furloughed for several months due to Covid-19) and I had setup a repayment plan. I had made the "downpayment" they wanted to start the repayment plan and then I'd paid the first modified payment (5 more were left)

They then transferred the servicing of the loan to a new servicer and closed the original count and it's showing as Closed 30+ days late (at least....not sure the details but that's what the MyFico alert reads)

Is there any chance of submitting something to them to request goodwill?  My payment history is absolutely perfect except for this new one and it dinged pretty hard.  What would I even send to them?

I know it is a long shot, but if there is an attorney from NC on the boards, I'd love to know how long the MTQ takes from filing the paperwork to the mark vanishing from our public record. We are hoping to apply for a mortgage in March and would love to know if this is a realistic timeline.

When my wife and I filed for chapter 13 bankruptcy in 2014, our attorney found some weird news.

 
The IRS said wife had xxx amount of credit because of previous unclaimed income taxes and gave her credit for it.

Our bankruptcy attorney talked to IRS, and found out someone had been using my wife’s name and social in Chicago Illinois to work.

Wife didn’t know of this because she had not worked in years. 

Fast forward to 2018, applied for social security for our son and was questioned for an apparent house that my wife owned in Chicago Illinois and a vehicle. Same place IRS claimed her social was being used.

Wife did get her social security card stolen at one time around 2004.

How would she go about finding more info.

The IRS told also told her that she had a car under name in Chicago.

The weird part is none of this is showing on her credit report. 
 

IRS did send her a letter about fraud but we can’t find that letter.

Who can she contact in Chicago Ill to ask about this alleged home, if even true?

Have an FHA mortgage.

I received a loan mod back in 2017 and lender did a partial claim : something like so - to keep numbers simple , original loan was say 600k - when modified it was 430 with a partial claim of 170 (deferred)

Unfortunately needed to go on forbearance in early 2019 due to job loss and got back on my feet 6 months later. The forbearance lasted 9 months , at which at end lender approved a repayment plan of double payment over 12 months. Tried for a few months but it was ultimately too much. I called to work something out and they offered another modification (FHA HAMP) - so I did the trail successfully (made 3 payments) and new mod is approved with a partial claim of 15k and new modified balance of 460k. So I am not sure where the rest is (about 100k). Should I expect a 2nd partial claim ? Doesn't make sense to me. 

Thanks! 

I modified my house in about 7 years ago with Ocwen.

I had no choice back then , it was either doing that or loose my house.

I was way behind my mortgage .

I am currently trying to refinance at lower rate ,my current rate during the modification it was 5.5% its fixed rate  it is still is ..

The rate I am qualified at present time is 3.375%.

Well there is the scoop, first of all it took me almost 2 weeks to get a pay off from this folks.

PHH mortgage purchased Ocwen,

They finally released  my current pay off today. I noticed they added $8990 of share appreciation  fee to the pay off .

Now I owe them $131000.My actual pay of is $120,723.

They explained to me at the time I modified the loan it was at $152,my house was appraised for $188K.

They get 25% of the equity ,so if you do the math is 152k-188k thats 36k divide that by 4  is $9000.

my current pay off is $120,700 then add $9000 plus the closing cost .

Is it worth it refinancing for 3.375% ?

I only have 15 years left on my current  mortgage  at 5.5%.

I was going to to refinance for 15 years .

Would this make a sense  in a long run or not ?

please let me know

Had multiple hardships and a company bought my overdue tax liens twice. They of course acted like bill collectors over the years, threatening regularly, so over the years I paid them multiple times (which meant not having enough food and stuff). But I mostly paid with money orders. Unfortunately, I haven't yet found my receipts or other proof of money orders, and the task is difficult. Obviously this is my mistake and I am generally very organized but there were circumstances at the time. The money orders definitely had my account number written on them as they directed but probably did not have my name on them - account of course is associated with my name.

The company is acting like I didn't pay any of those money orders and that I only made two payments when they wouldn't have allowed me to go years with paying that little. After paying a decent chunk by money order they would stop bugging me for a while and then they would tell me I owed a lot again later. Since then I have read about tax lien buyers doing this as a rule, and not crediting payments.

They are trying to make me sign up for a new payment plan, and I am completely against signing any new document since I don't believe I owe this amount. Also I feel like it's unreasonable to make me pay that much in a short time given my low income, but I guess they don't have to care about that. In any case, I don't trust them and think that any new document would be used against me in a foreclosure proceeding (if I didn't make every payment like the agreement says). I also haven't yet told them that I am low income / disabled as I was worried they would somehow use that against me.

Basically I thought I had already paid this off... the money order payments, if credited properly, would probably be the entire amount owed, or above the entire amount owed! I guess that I have no recourse here? I haven't yet asked them to recheck their records because I figured they would immediately say it was my burden to prove the payments. Should I just forget about disputing the amount and accept that I now have to repay everything paid by money order? I wouldn't mind at least buying myself some time and/or creating more hassle for this company, especially if they are going to get a double payment from me eventually.

One other factor is that the property in question is not my primary residence at the time, but I've wanted it to become my residence. I also unofficially made it my LLC's property before this began.

Does anyone have any suggestions for getting a modification with Mr.Cooper. They have frequently denied me even though they messed up my original modification.

Still, I told NFCU  that there were Federal laws stating that there was no longer restrictions on how many modifications a borrower could receive.  I also told them that they had dual tracked our file - they had moved for a foreclosure while also claiming to look into our options.  When we finally heard back from their representative, she said we would need to pay $11,000 immediately and our new mortgage payment had doubled.  Again, she said NFCU knew nothing of the right to another modification. 

They foreclosed three months later, and when I looked at the paperwork I noticed a sheriff signed a document stating he had served my husband, but that I was not able to be served.  He checked a box stating that I had been left documents - not the box stating direct service.  When I flipped to the next document, it was a statement signed by the attorney saying I had been served directly by a sheriff.  I called NFCU's foreclosure mill and stated that by law I needed to be served before foreclosure hearing, and the lawyer I spoke with said he would advise NFCU accordingly, that he was sorry for the oversight and that NFCU would be in touch soon.  When they didn't call, I called them and they passed my call around repeatedly in a stonewalling manner. 

One woman heard me crying on the phone, and said "maam, please understand that your situation is being taken seriously - our managers have been in a closed door meeting discussing your situation all morning!"  After speaking with her, all the others said they were unable to discuss our foreclosure further.  We then hired an attorney who reached out to the foreclosure mill, and was immediately in touch with the top of the firm. 

The top attorney mocked me in an email I am in possession of, saying he was about to check out our file - but was certain I was just an angry woman over reacting over nothing.  After this email he refused to respond to the attorney we hired - our attorney said "I don't know what happened - he refuses to return my calls or emails..." 

Soon after we removed our possessions from our home, the BBQ munching moron of an attorney had the nerve to ask if I wanted to "settle with $5,000 - just to help us get back on our way."  This was not a "Cash for Keys" as we were already out of our home.  I told him to pound sand and that I was well aware that the wrongful foreclosure was now a fraudulent one.   

So as I prepare to go after NFCU on all the laws they broke, does anyone have any experience in going it alone without an attorney?  I am a journalist and have researched our situation extensively - they broke many Federal laws and I have plenty of documentation to back up my accusations against this nasty lender..  My thought is they will choose to settle - especially given we have emails showing that the top attorney ceased contact after discovering the serious miss step of failing to serve me and documenting that it was done in a document that serves as the whole legal basis for the foreclosure hearing.  

Do mortgage lenders typically extend a loan maturity date?

My loan's maturity dates is 2/2021. There will be a balance of ~$13K still owed, which I definitely will not have. I can make extra payments to chip away at it, but won't come close to getting it paid off in 8 months. 

This has been weighing on my and I plan to call my mortgage company this week to discuss, but wanted to see what my advice/options others in this scenario have been given (extend maturity date/loan modification). 

Thanks in advance.

CitiMortgage sold my loan to Cenlar and they say they have no record of the trial modification payments. 

I have tried to call CitiMortgage but my calls are answered by their automation (it senses my number) and they give Cenlar information and then it hangs up. All emails for my mortgage representatives at CitiMortgage are bounced back. 

I have been trying to make my April 2019 payment and can't reach CitiMortgage and Cenlar states I'm in foreclosure so they won't take a payment from me.

Please advise. How do I get in contact with CitiMortgage to get my account updated so I can make the payment?

Thanks in advanced.

My mom developed a stage 4 terminal cancer a few years back. I've been trying to pay on both my house and her house.

She lives in the house she's always lived in (for 40 years). They were foolish enough to continue borrowing against it.

It was my grandparents house. All four of us lived in it. I eventually moved away. I've since come back to be the caretaker. My house is in another state. Eventually I want to go back there, move my stuff out, and sell it.

There was a will from my grandparents leaving house to her (they have both died), or generically stated any of her children (only me).

Lawyer said the will would cost hundreds to execute. Didn't have it. So we just kept living here and paying when we could.

The house in my grandmothers name is in foreclosure. Sale date 2/20/20. Our notice came last week. In Missouri, they must have 20 days from time of mailing (not even 20 days after a signature because after I got the notice we only had like 17ish days).

Two mortgages. Balance 1: $12k, balance 2, $11k

I thought the company that foreclosed (balance 2) was the 2nd mortgage but there is some confusion there. Balance 1 bank is having their attorney review it. They don't know.

House value: $130k

Amount we need to avoid foreclosure: $3726.45. I have $1,000.

I have a 500 credit score. I can't borrow $5 from anyone. Mom in the same boat. I had a business fail, and then we had her health issues. I haven't worked my real job since May of this year when I couldn't anymore (because of my mom). I do get paid to be her caretaker in a state program.

People keep telling me we just need to file for BK and it would stop this but having my mom file wouldn't stop anything without it being in her name, right?

I have a $25,000 guaranteed life insurance policy with Gerber on my mom of which I am the beneficiary. It was designed to pay off this house if/when she dies. The current doctor estimate is 6 months or less.

I would like to continue living in the house as a goal. I definitely don't want to disrupt my moms care and move her out of the only house she's really known at this stage. It seems so close/possible to fix but so far away too.

I have a city rowhouse bought in 2005 near the height of the mortgage bubble for 290k and current estimates are ranging from 285k and 305k. I owe 275k on it and have put about 70k into it over the years but it still needs 20k in paint and flooring to make it appealing to buyers (carpet is shot). I have listed it on 3 separate occasions beginning in 2014 and not sold.

I am really over owning this house I want out. It is an 90 minutes away from my job and I am currently renting an additional apartment close to work, and renting out rooms to graduate students (4 of 5 bedrooms) which covers the mortgage, but comes with a limitless array of property management headaches, which I have been doing since 2006. This situation could easily continue in perpetuity, but I need to figure a way out of it. The property value is unlikely to change for several years, and constant maintenance costs are cutting deeply into the rental income; I do the IRS rental income schedule every year and genuinely am not making any actual money.

I've been considering a few options:

1. Get all of my personal things out and rent my bedroom and work with a property management company to relieve me of most of the landlord headaches and treat it for all intents and purposes as a paper asset as much as possible. I still have to pretend to live there or everything will explode apparently, so I built a non-code bedroom in the basement that I myself may occupy when in town. I may also consider working with the PM company which may be a resource in potentially getting my house sold to another investor. In the meantime I'm paying down $500 a month in principal which helps me as long as the property value doesn't go down with it.

2. List with a full-service brokerage. Very difficult route, it alarms the roommates who fear they will soon be homeless (I have it in the lease that I can sell whenever I choose). Showings are usually people who are not serious, and it's a logistical nightmare getting all 5 bedroom doors unlocked. May consider marketing exclusively to investors (the profit is substantial if all 5 rooms are rented). Price is big question mark due to ~18k commission plus transfer taxes and other fees.

3. List it myself - get flat-fee MLS, couple hundred for a photographer, and pay a lawyer. My stepfather is an licensed RE agent and offered to help where he can. I could offer 2.5% to buyer's agent and substantially reduce overall selling cost.

4. Deed in lieu, short sale, or strategic default - Yeah, the credit report (and potential court judgement). But, given that there is a profit margin between the balance and the market value (though not much) the whole thing could be a wash. Plus, I could simply collect my things and leave, and on my own time; I could provide several months' advance notice to renters, avoid costly and disruptive repairs, and not have to deal with ruffled tenants and the logistical nightmare of showings and locked doors or sleeping tenants who forgot, etc. It's getting to the point that I feel like whatever punishment I am doled out as a result of being a walkaway cannot be as bad as continuing to be handcuffed to this situation for what is now going on a decade. Even if they did get a judgment on me for 20k or so the truth is I could probably pay it.

I need some kind of option for getting out from under this house. 13 years and still underwater is too long, the status quo is no longer an option.

It's like a bad marriage and I can't get a divorce.

Help!

Citi Credit card accidentally closed my credit card with a balance. Long story short, I asked them to send me a new credit card. I called back a couple weeks later and found out they closed my account instead. They reopened my account and sent me a new credit card. Now it shows up on my credit report as closed with a balance. What’s the best way to dispute the error?

I'm worried this foreclose showing on my credit report will affect my change at getting  new mortgage since this is showing as happening 2.5 years ago, and as I understand it, it takes about 3 years to get any loan with a foreclose on your report.

We started a loan modification in late 2017 because I lost my job after Hurricane Irma.  For some reason, the process took nearly 9 months until we got to the trial payment period.  We made all our trial payments on time as required and signed all the paperwork in October.  Two months ago, our credit scores dropped roughly 100 points each.  According to Equifax and TransUnion, the payments during the trial period were marked at 120 days late.  I sent a letter of dispute to our mortgage company and they responded that everything was in order.  When I initially talked to them on the phone, no one could explain to me why this happened and they told me I needed to send this letter to have it investigated.  I'm not really sure what to do at this point and don't want to wait seven years for it to fall off our reports.

So, on a scale of 1 to 10, how screwed am I in regards to getting this fixed?

Thanks

last mortgage payment made:  6/2017
lender's appraisal: $162k
an informed/realistic appraisal: $143k
property liens:  $3k civil judgement, $2500 HOA
reinstatement amount:  $31k
Principal balance:  $189k
payoff amount/accelerated amount due: $213k  
My age:  mid forties

This is my sixth foreclosure and I'm looking at trail period paperwork so the lender is prepared to make this my sixth modification.  I don't see any terms of the mod in this phase but was told on the phone there would not be a principal reduction. (Never had one in prior mods...was just hoping for one).  They have given no indication of any other loss mit options.  There was a short sale period but no offers on their inflated appraisal/list price.  Did not qualify for DIL due to property liens.

Whats different this time is I'm prepared to walk away.  I assume the monthly payment will be close to the three trial payments.  I won't bore you with my personal financial details but I consider the $1300ish per month payment a little too high for me, in this home.  Obviously I don't deserve a conforming rate in these circumstances but I was hopeful they would come back with something lower.  I am considering thanking them for another mod but declining and telling them I will move out by the sale date.

I just wanted to get the board's reaction as to what reaction they may have.  I assume they will proceed with the sale but given the colorful history I have with my lender, would it be possible that they drop back and punt?  First time I've ever considered declining a mod and I wonder how a loss mit department would react.  Open to any other observations or advice. 

Does anyone have a recommended contact for a citimortgage exec? I would like to try a goodwill letter for 2 non reported (due to bankruptcy) lates. Thanks so much!

Thanks

After I defaulted on my loan, I started the modification process with BOA. The mod was approved then almost immediately sold to Carrington. I have been making on-time trial payments of almost $1400 for a year now to Carrington. Finally things started moving in May of this year with a permanent modification. They then asked for a quitclaim deed to be signed from my exhusband, then a week later stated they just needed a copy of the divorce decree to move forward. I sent in the divorce decree. My ex will adamantly not sign a quitclaim deed. Maybe a week or so after sending in the divorce decree, I got an email that they needed the quitclaim asap and gave me a deadline of about 2 weeks to get it done. Ex continued to refuse to sign it and I got an email today that my mod was denied.

Does anyone have a clue as to what's next? I have contacted a consumer lawyer, but not sure if that's the right step or not. If I had been told a year ago when I started this process that I needed the quitclaim done, then I could have taken my ex to court to have it signed by now. I feel that they took trial payments for a year just to drag this out for them and will still have the same end if I had done nothing (other than not making all those trial payments).

T.I.A

I inherited my house from my mother. The loan for the house was kept in her name after her death, the house is now in my name.

I am self employed. This past year my business ran into troubles, and my income went to nearly nil. Credit to some big dings, and I am in low 600's across the board. I fell behind on the mortgage.  I have the money to catch up ( 3000.00), which only came in this past week. I was planning on making that payment tomorrow, but today received notice from the USDA that they are opting to call in the loan on the house. I have until the 4th of January to pay the owed amount of $58,000 or they will foreclose on the house.

I don't have 58k. 

Complicating the matter is the USDA will not talk to me. The estate was recently settled. My Aunt is executor.  The USDA did tell me that there are extra papers we need to file to move the house into my management in order for me to talk to them. When my mother died, we sent her death certificate, and verification forms. They do know technically I own the house. 

I was unable to get ahold of my aunt today.

In the letter, the only options for discussing this with the USDA is under the conditions that they made an error in what they are doing.

They made no error. Factually I am behind on the mortgage. 

They offer 1: An informal reconsideration hearing to present "new evidence, new information, evidence, and/or possible alternatives, along with your request".

Does that mean if I give them the funds to catch up the arrears, they will not foreclose?

I don't want to lose the house. I certainly won't be able to get a mortgage for another one. The only other alternative I know is chapter 13, which seems a bit silly, since I literally only have student loans, and 3 nearly empty credit cards. No car loan, nothing else. Basically $3500 would pay off the cards, and catch the house up. 

Specifically I just want to know since I have the funds to catch up, will they likely opt to take the payment and stop the foreclosure, or are they probably going to force the foreclosure since I can't pay $58,000 for the entire mortgage.

I am really seeking help as I am in a really bad place at the moment. I bought a home in 2016, I have made every payment in 2016, 2017, and Jan & Feb or 2018. I am currently now 5 months past due and got a intent to foreclose two weeks ago and today I got a letter from lawyer saying they been retained by Company to foreclose. I fell behind due to job loss, divorce, and really high child support payments. I contacted the bank with my new paystubs and the information they requested which was sent back because, they said I forgot to sign it and i missed a paystub. The total I currently owe them is $8,190.00. I am scramblling to get 4 months payment right now to pay them in hopes that they will work out a payment plan with me so that I can get caught up. I retained a lawyer last week as well just to be on the safe side. I was thinking about filing Chapter 13 to help stop this and get back on track. I currently now earn $98,000 per year my lawyer said I passed the Means Test, and he can have my car as well included into the 13. Which currently have $6500 negative equity in it my home I purchased it for $252K in 2016. My lawyer got some current market price for it which came back at $220K. So apparently, I have no positive equity in the house. I want to keep my home which is a FHA loan, and I am now working so I will be able to make the monthly payments going forward. Question for current or previous Chapter 13 filers will I have to pay my current payment of $1,633 and all the past due of $1,633 as well if I went into a 3-5 year plan or will I be paying the current amount and a portion of the past due within the 3-5 years. I think I will resend the paperwork to them tomorrow, and see if they can take 3 or 4 months payment to stop foreclosure and allow me to workout some sort of repayment plan to get caught up. What to anyone of you out there think is the best solution or direction I should now move in? Thanks for any advice.