Jump to content

jmw1212

Members
  • Content Count

    859
  • Joined

  • Last visited

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Lawyers like to do that so they can justify charging you. They can't do anything for you that you can't do for yourself for free. I'm not advocating fighting a lion with a pixie stick but, I'm also not advocating hiring an attorney to speak with your bank on your behalf when you can have the exact same conversation for free. Record the conversation but, if your state requires it, inform them that you are recording it and see if they will continue the conversation knowing they are being recorded. THEN get your attorney involved if what they tell you is bogus or a lie. One of the things in m
  2. And I need to work on that too. I've heard that T1 kids don't qualify, but I should try and apply. thanks
  3. Hi all, so I received my trial modification papers today, yet my home is still going on the courtroom steps and being advertised in the local paper until 72 hours prior to April 5th. Even if they receive these papers back in two days from today, they said they wouldn't stop the sale until 72 hours prior. Wonder why? I am thinking the quicker I get these papers back the better the chance it's not in next week's paper again. Also, as I am reading the papers they sent me, it states we owe $4300 of back escrow that we will either need to pay in full after the 3 month trial plan or roll it over int
  4. Lawyers like to do that so they can justify charging you. They can't do anything for you that you can't do for yourself for free. I'm not advocating fighting a lion with a pixie stick but, I'm also not advocating hiring an attorney to speak with your bank on your behalf when you can have the exact same conversation for free. Record the conversation but, if your state requires it, inform them that you are recording it and see if they will continue the conversation knowing they are being recorded. THEN get your attorney involved if what they tell you is bogus or a lie. One of the things in m
  5. Hi dear ol friend and glad you joined. I just thought of something after you posted this. You could file for bankruptcy chapter 13. That would allow you to refinance and start over. We did chapter 7 because of our business, but 13 may work for you. You can post this in the bankruptcy part of this forum and ask there, but many here also may know about that option. Hopefully someone can help out.
  6. UPDATE: WooHoo! I just got word we were approved for the 3 month trial payments, then after 3 months of trial payments we will be converted to a permanent loan modification. They are cancelling the sale date of our home Prayers answered. They also lowered our monthly payment by $200, so our payment went from $1440 to $1221. This will be our last loan mod so I really hope and pray we don't get behind again. I think we will be ok, Hubby just got a raise and so did I and we are both working extra hours, my part time is closer to fulltime (only when we are busy though) and he is getting overtime
  7. I am still waiting to hear final outcome, I will hear this week. Biting my nails, and praying hard.. <3 you ALL. Thanks for all the support. I will check back and let you know how it goes. I had to resend in something again today.
  8. UPDATE: So before I tell you the update I wanted to say that the forbearance plan was that we don't make any payments so my husband could find a job, when it ended we had to reapply for a loan mod to bring the loan current. So I just got off the phone with PNC and they have sent a trial plan to Fannie mae for approval and I should know the answer by Monday, but she said it looked very good and that they didn't want to foreclose. She said they would postpone the sale date while I make three trial payments. Once completed, they will send me the final loan mod papers and at that point they will r
  9. Sale date is in less than 4 weeks! We have raised our children in our home. We built this home. We have lived here for almost 20 years and now within 4 weeks we have to move out everything and have no place to go! With two young children, one is a type 1 diabetic, can die if he doesn't have his insulin. No fault of his own, an auto-immune disease. Just searching for answers and ways to save our home. Help!
  10. We did qualify for the loan mod, and accepted the terms. We paid promptly for about a year or so, then my husband lost his job. He had been working for his friend and his son decided he wanted his job back, so it was my husband that was let go. After that my husband started working sub jobs again, this time for nascar teams (we have connections) The problem was they were only every once in a while. Here and there. So we got behind. I started working part time for my friend for her retail store and that got us barely through 2015. So I reapplied for a loan mod and was approved for a forbearance
  11. Hi all, so I finally figured out how to get back into my account here. So I have some really horrible news, after some really good news. I need some support and advice ASAP. So yes my husband was in a deep depression after losing our company and then his next job. Things got really bad before they finally got better. So he was hired this past November 2015 fulltime, I am still working for my friend and not only got a small raise, but working more hours. During busy seasons, I was even making overtime. So we had our loan mod till December 2015, he was hired literally two weeks prior in Nov. So
  12. Oh BTW some dude showed up at my house today knocking on my door, only to leave a yellow note that tells me to call PNC. Scared the crap out of us, (here alone with my kiddos) I didn't answer the door, but watched out the blinds as he took photos of the front of my home. Guessing he was hired to make sure we did in fact live here. Do they really think I would care so much to save it if I didn't? Geeze Oh and thought that they couldn't do that after a discharge in BK7.
×
×
  • Create New...

Important Information

Guidelines