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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

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  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
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  8. TD 2nd

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  9. Written Contract

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  10. Foreclosure Deemed

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  11. 2010 Reaffirm

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  • Our picks

    • I just wanted to share my nightmare/success story.  My credit was in the toilet many years ago.  It took me a while but last year I finally made it into the FICO 800s across the board no lates and low utilization.  Happy as ever.  Then I bought a gift for a wedding on my Macys card online in April.  Forgot all about it as I rarely use that card.  Long story short, my bill is emailed but goes to my promotional gmail folder that I never look at and somehow they had a very old phone number for me so I had no clue.  I got a notification from myfico.com stating your score dropped 69 points due to 30 day late.  WTF???
       
      I was in a panic pacing tears in my eyes,  Me late?  Not in over 15 years have I been late on anything.  I called Macys twice...sorry your fault you need a valid reason etc.  I paid my bill in full immediately ($119) then decided to write letters which I never had the chance to send.  I kept getting credit notifications and refused to look at them because I felt sick.  I finally looked yesterday and ......WHAT??????  Credit scores jumped up 69/65/63 on all 3 bureaus and stated my status went from 30 day late>pays as agreed!  OMG!  Not sure how or why but I will NEVER let that happen again and signed up for auto payments on everything.  I thought getting late removal was very low chance but it can happen!  
      • 6 replies
    • I have an Amex blue cash credit card with zero introductory  plan it feature that helps you finance anything over 100$.
       
      What happens to credit utilization rate if I have 1000$ credit limit and I finance a 1000$ purchase for 10 months? Is it gonna be %100-%90-%80 or %10-%10-%10?
      • 8 replies
    • 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!
      • 12 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
  • Posts

    • See what I mean about exaggerating, your so out of touch with reality you have to make comparisons to cartoon shows. One of these days you should leave your high up place in that mansion with all your hoity toity acquaintances, in whatever fancy car it is that took it to score your trophy wife and see how blue collar folks live.    Believe it or not there are these modest neighborhoods outside the slums were people take care of their house and lawn. They drive nice slightly older cars that aren't falling apart, dented or all scratched up. Of course you get the mix some have new cars some have clunkers but a good majority just have normal slightly older vehicles. Just like you got the mix with the houses some are rental and a mess but most are homeowners and well taken care of.    You're the one with the reading comprehension issues, you even liked my post earlier about the cost of health insurance. You also got your fantasy of my life and me all wrong. If you knew me at all you'd know I despise government hand outs. Just like I think your a bitch for thinking you need all this money to live a comfortable life, I think all the broke beggars crying lifes too hard are too. You also missed where I save half my salary. Its obvious you can't do math though considering were talking about living on 50k and I gave you the break down of how I do it and my expenses only add up to 21k. If you could do math it'd be pretty obvious I'm not on government assistance.  Unlike you I have to work for my place in life. Another one of your reading comprehension issues is you missed where I bought a fixer upper, you might get the idea from the payment I'm paying on a trailer but thats what it looks like when you buy a house for 40k thats worth 100k after you fix it up. You also forgot I'm cheap why would I do pay-per-view porn when theres redtube.
    • Just might be a coincidence.    In a rational world, my seven sync cards would be closed.   I had no rationality last year when I cold app the Crate and Barrel card on the day applications went live after the takeover from Comenity.    I need to take them out of the SD and get some pencils. 
    • We're both stuck at $70k.   Coincidence?    
    • The most Sync will let me have is $10k on any of my cards. Calling UW does nothing for me any more.   Walmart MC Sam's Club MC Crate & Barrel MC Car Care One PayPal MC Lowe's Amazon   All stuck at $10k. $70k exposure.

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