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Foreclosures/Loan Modifications

You're trying to get a modification, or you're being foreclosed?
While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

1,824 topics in this forum

  1. Pinned topics

  2. IndyMac Modifications

    By radi8,
    • 5 replies
    • 11,445 views

  3. Chase/WaMu Modifications

    By radi8,
    • 4 replies
    • 14,446 views

  4. CitiMortgage modifications

    By radi8,
    • 1 reply
    • 12,490 views

  5. Countrywide Modifications

    By radi8,
    • 6 replies
    • 14,429 views

  6. Contact Info for Lenders

    By radi8,
    • 0 replies
    • 10,259 views

  7. Foreclosure Law- all 50 states

    By radi8,
    • 0 replies
    • 14,484 views
  8. Other topics

  9. Denied Mod after 1 year of Trial payments, what next?

    By BTFLY,
    • 26 replies
    • 623 views

  10. Oriental Bank of Puerto Rico - Foreclosure or Foreclosure Proceeding Started designation

    By jecalderon,
    • 0 replies
    • 107 views

  11. Loan Foreclosure 6 years after account close and reported 120 days in Puerto Rico

    By jecalderon,
    • 1 reply
    • 126 views

  12. Any way to delay a foreclosure for 2 years?

    By wastate,
    • 6 replies
    • 419 views

  13. mortgage being paid late by trustee while in chapter 13

    By spoiledgurl,
    • 10 replies
    • 216 views

  14. Not Underwater, Not above water, at the waterline

    By DiamondEye,
    • 5 replies
    • 279 views

  15. Foreclosure Deemed

    By tess41,
    • 9 replies
    • 238 views

  16. Mortgage question

    By Borderbound,
    • 2 replies
    • 181 views

  17. Tax Tangle: 1099-Cs for Old Mortgage Debt Cancellation 1 Week before Foreclosure (+ credit cards)

    By wingwalker,
    • 1 reply
    • 156 views

  18. foreclosure on a second mortgage

    By Reefermike,
    • 23 replies
    • 446 views

  19. Loan Mod with late payments

    By Squad2530,
    • 2 replies
    • 164 views

  20. Ditech assigned me a representative for calling

    By hilo,
    • 14 replies
    • 530 views

  21. can modification remark be removed?

    By KimShea,
    • 2 replies
    • 294 views

  22. Wrongful foreclosure intent to sue demand letter? Is it good?

    By TheChosenOne,
    • 19 replies
    • 504 views

  23. 2010 Reaffirm

    By wan2live,
    • 11 replies
    • 292 views

  24. Loan Modification Ruins credit Score and not finalized

    By Cherylbelinda,
    • 2 replies
    • 305 views

  25. FORCLOSURE REMOVED!! WELLS FARGO

    By team202,
    • 11 replies
    • 1,163 views

  26. VA Foreclosure loss count as income?

    By jrcams,
    • 1 reply
    • 249 views

  27. Reverse Mortgages-Can a Loan Modification be done for the remaining Heir

    By lillyq1985,
    • 6 replies
    • 455 views

  28. JP Morgan Chase Sued by Mortgage servicer

    By ICANHASMUNY?,
    • 1 reply
    • 181 views

  29. Super Survivor June 2009 mortgage default still living in house! FICO avg 830.

    By mizliz1011,
    • 9 replies
    • 501 views

  30. What is this...?

    By justcheckingitout,
    • 13 replies
    • 351 views

  31. Pre foreclosure auction AUCTION.COM

    By BillyBob11706,
    • 1 reply
    • 297 views

  32. How do I challenge an estate foreclosure?

    By groze,
    • 7 replies
    • 410 views

  33. foreclosure, homeless and estate issues

    By groze,
    • 28 replies
    • 1,177 views

  34. After chapter 7 bk options on 2nd mortgage?

    By wj2005,
    • 11 replies
    • 330 views

  35. Question Concerning Modification after BK7 Discharge

    By smithma,
    • 2 replies
    • 268 views

  36. Sounds like Crickets on this Forum subject!

    By Kuuner,
    • 3 replies
    • 268 views

  37. FHA Loan Modification with Wells Fargo

    By Shopgirl2017,
    • 1 reply
    • 329 views

  38. FHA Loan Foreclosed Now What

    By monica,
    • 10 replies
    • 613 views

  39. BMO Harris Bank: 2nd Mortgage Loan Modification / Reduction of principal?

    By thesaintly,
    • 6 replies
    • 736 views

  40. Relief of Stay

    By dew2015,
    • 3 replies
    • 302 views

  41. sls mortgage company

    By mugzee1,
    • 1 reply
    • 197 views

  42. When can I cancel homeowners when title or deed transfers?

    By Auto_Body_Chick,
    • 1 reply
    • 224 views

  43. How to Settle Second Mortgage with Citimortgage

    By String,
    • 13 replies
    • 827 views

  44. BofA short sale complete but still reporting as open/late

    By DeadMoneyDrew,
    • 6 replies
    • 252 views

  45. Right of Recession Followed to a T..money still disbursed..help

    By cutt1001,
    • 1 reply
    • 243 views

  46. Mortgage payments/credit reporting question.

    By OmniCamaro,
    • 4 replies
    • 473 views

  47. Foreclosed in May 2016 New York now what?

    By BillyBob11706,
    • 2 replies
    • 540 views

  48. CitiMortgage - positive development?

    By hgt9134,
    • 2 replies
    • 430 views

  49. Mired in Bank of America bureaucracy

    By DeadMoneyDrew,
    • 52 replies
    • 3,584 views

  50. 2 Foreclosures in 2010

    By refi4,
    • 3 replies
    • 521 views

  51. Newbie here – gurus needed! First court date for foreclosure this Tuesday!! after five months hospitalized in past year

    By Cielorina,
    • 3 replies
    • 346 views

  52. Newbie needs help- Foreclosure hasn't happened after 4 years what do I do?

    By gingersmommy,
    • 13 replies
    • 916 views

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  • Posts

    • cv91915
      Any free FICO scores?

      By cv91915 · Posted

    • cv91915
      I Don't Know Where To Start...

      By cv91915 · Posted

      Sounds like the "kids" are adults, which would make all of that not your problem.
    • cashnocredit
      Credit repair professionals

      By cashnocredit · Posted

      The guy is simply ignorant*. The FCRA forbids this. I personally paid off a CA that was 6 years old. It was a small amount from a phone service I forgot about and didn't discontinue when I moved. It showed paid and fell off my report promptly the next year.   By saying he's ignorant, I'm giving him the benefit of the doubt. A worst case is that he is fully aware that paying a CA doesn't affect the drop off date and uses this to promote fear and drive his business. It isn't just some CAs that are scummy.
    • centex
      Any free FICO scores?

      By centex · Posted

      Concur that AXP offers EXP8.      BofA and Barclays have been offering TU8 (as noted, Barclays does not specify but it marches lockstep with BofA which DOES specify).    FNBO is offering EXP Bankcard9   Have not seen anyone in my current portfolio offering EFX/CSC scores
    • KimShea
      Any free FICO scores?

      By KimShea · Posted

      Ha!  Y'all got me to finally cancel my Score Watch subscription from MyFico.  I've had it since 2013, and they don't even offer this product anymore.  $14.95 a month - guess I could add it to my Mortgage payment. 

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