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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.

1,843 topics in this forum

  1. Pinned topics
  2. IndyMac Modifications

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  3. Chase/WaMu Modifications

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  4. CitiMortgage modifications

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  5. Countrywide Modifications

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  6. Contact Info for Lenders

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  7. Other topics
  8. Accidental Closed account

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  9. TD 2nd

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  10. Written Contract

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  11. Foreclosure Deemed

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  12. 2010 Reaffirm

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  • Our picks

    • My son in college, playing baseball was injured and sent for an MRI. They used my insurance information. I never received a bill. I was expecting the school to cover the bill since the baseball coach and AD sent him for the MRI. Anyway, we recently pulled his credit file and its showing as a collection on his reports. I disputed as "not mine" but it came back as confirmed.
       
      How do I proceed????  contact the school 1st? Why Chat do I just follow your procedure?
      • 9 replies
    • Here's where I am.  My goal is to get my credit score to 650 for a mortgage and I currently have a 620 (after initial disputes).
       
      Opt Out Done Dispute Addresses Done Initial Dispute Done I did not dispute any medical accounts (i don't have the money to pay them offc  
      The initial dispute went fairly positive I would say 50% of all accounts that I have were deleted. I guess where I'm stuck is what do to next for thr accounts that were validated.  They where things like utilities and credit cards.  I'm far outside my initial 30 days and some accounts are within their SOL.
       
      Thanks!
      • 14 replies
    • I got a letter back in June of 2015 from Weltman, Weinberg & Reis out of Ohio  saying they were trying to collect a debt for Progressive insurance in the amount of $2700. This was related to a motor vehicle accident that I wasn't even involved in. Someone was using my license plate on a motorcycle that I sold him without my permission and he had no insurance or registration. It was a pretty standard debt collection notice but I hadn't yet started writing my own letters so I hired a local attorney to send them a request for validation. They never responded to his letter but they did try and collect a couple months later. The attorney called them and advised them they were way outside the 30 days and were in violation of the FDCPA. 4 years go by and I get a certified letter saying I'm being sued by the same debt collector except now they have tacked on another $3000 making it $5700. The original incident took place in October of 2013 so we are only a couple months away from the 6 year statue of limitations. If they are trying to scare me its working and I am more than pissed off that this is coming back around again. I am going to talk to a new attorney on Wednesday but this seems to me like a clear cut violation. Then I realized the debt collectors address is now Philadelphia and that is where I have been getting dozens of calls from over the last couple months, also violations of the FDCPA. I'm also considering contacting the FTC and the BBB but I wanted to talk to the lawyer first. I kept all the correspondence from 2015 also. Does anyone have any input or advice for me?
      • 31 replies
    • I wanted to file chapter 13 to get out from under credit card debt. I defaulted on all the accounts a couple years ago. I’m married and my husband and I have separate accounts. His bills are current and mine aren’t. The problem I’m having is they’re making me include his income for the means test but they won’t let me include his debts. So there’s no way I can afford what they say I have to pay. Is there anyway around this?
       
       
      Sent from my iPhone using Tapatalk
      • 12 replies
    • I filed for Chapter 13 back in 2002. It was discharged about two years ago. It has fallen off two credit reports and I'm sure you can guess the one that it has not. My question what paper work should I keep if any in relation to my BK? By the way after it fell off my scores are in the high 700's.
      • 5 replies
  • Posts

    • Doesn't seem like it is a law in all 50 specifically when raining, but rather determined by visibility.   https://drivinglaws.aaa.com/tag/headlight-use/
    • One more question. I tried to pull fresh reports over the weekend and I was unable to get them because they said “unavailable due to a dispute in progress”.  Is this normal? What site do you recommend pulling them from if you’ve already used your free annual credit reports?  I have an Experian credit monitoring subscription, but I know you’ve said in another places not to use 3rd party services for dispute purposes. 
    • Shouldn't be a challenge...a call to the customer service number on the card will generally yield that information. 
    • Things like this really piss me off...from their online menu: "A 4% surcharge will be added to all Guest checks to help cover increasing coast and in our support of the recent increases to minimum wage and benefits for our dedicated Team Members."   Just raise the food prices by $1 on every item and be done with it.  Don't nickel and dime with surcharges to try to make yourselves look like heroes and that you "take care of your employees".  I would love to ask the employees if they got a raise or increase in benefits upon the addition of the surcharge.   Also, why don't you use a portion of that charge to hire yourself an editor for your website, as I don't think your need to charge more money to cover your increasing coast...
    • I'd hazard a guess that it's the law in all states, but don't quote me on that. Traffic statutes aren't my field. But I am amazed at how people can drive along in a downpour, completely oblivious to the fact that no one can see them. They're usually in gray cars, too.

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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