Uncle Leo

That sounds like good advice. A couple questions... 1) Once you caught up, did you get off their bad person list? As if everything is normal? 2) Right now they won't take my money, at least not through normal channels. Who/how did you pay? As I understand it, I am in a foreclosure status, so if I understand you correctly, because it's just starting I can stop the process while HAMP processes and I get caught up, correct?

How is Citimortgage regarding foreclosure and repayment plans? My home slipped into foreclosure about two weeks ago. Apparently I missed by ONE DAY having a payment applied that would have probably staved this off. My check was returned uncashed. Ironically, I am now in a position that I can catch things up within 2-3 months (I am 4 months behind), and have talked with someone at Citi regarding a repayment plan of sorts, but am in limbo until I get a call back from a "specialist" late next week. Ideally, I just want to catch up, get back to making regular on-time payments, and get off their list. What can I expect? I read all kinds of horror stories on the internet, yet I know that people usually only complain when they have a horror story, they don't post that everything went great. Am I worrying for nothing? I did read one post here from a couple years ago that said Citi was easy to work with. I live in Iowa, for whatever that's worth. Thanks.

Does the boyfriend work, or have any income? I'm presuming he is not on the loan, hence he stands nothing to lose other than the inconvenience of moving. I wish I could offer more help, but it sounds more and more like it hinges on him, and he'd shoot down anything you propose anyway. ETA: Is the property management company responsible for the well upkeep?

Today, it's 29 days late. Technically, by the thinnest of margins, I could pay today and be "ok". I cannot pay today. For better or for worse, I will catch up the HELOC as much as possible, so they cannot use that as an excuse to foreclose any sooner than they might otherwise. I will make the November payment in December when I get paid.

Probably not. I have to keep the lights on, etc., also. In fact, I may have to do a running 30-day late until February, when I am expecting a large payment from another source (not tax return). I'll be able to do November, though.

69 views and... nothing?

I don't have any good advice, but considering that she has a live-in boyfriend who refuses to cooperate, the better... though not emotionally ideal... option would be to let the chips fall where they may. If she walks away, it will definitely affect her credit and ability to rent, but that's not necessarily a one-way street to homelessness. She won't be renting high-end, though, that's for sure. Is she wedded to Virginia? If necessary, would she consider moving elsewhere? If I may ask, why doesn't she have a DL? That, probably more than anything, limits her options.

Background... Have had mortgage since 2005, never (30 days) late, balance $133K+/- Have had HELOC since 2005, balance $20K House worth approx $195K ($42K+/- positive equity) Declared BK in 2008 Mortgage reaffirmed HELOC not reaffirmed (offered , but they never responded, so it didn't happen) Both 1st & 2nd with Citimortgage HELOC has been late, but only since BK, currently August payment is due (3 mos late) In Iowa I have been self-employed for 2 yrs now after being laid off. Income is inconsistent. I have a current project but won't be paid until the middle of December at the earliest. Nov 1st payment will be 30 days late in a few days. The question: Should I contact Citimortgage? They SAY to contact and be up front, but I have heard and read so much that contacting them "so soon" only serves to give them a red flag. I have heard nothing but horror stories that contacting them will only lead to trouble and frustration. If I cannot make the payment, should I... Do nothing and pay when I can? Call them and try to arrange something? Pay up the HELOC to date so they can't use that as a foreclosure reason so soon? Something else? What would you do?

My first job was at an Arco station, before they went self-serve and Am/Pm, and the gas was considered some of the best, but... that was 32 years ago. Your mileage may vary today (no pun intended).

I live in Iowa. Thanks.

Ok, it's been awhile and I forget... If you request that a current/original creditor not call you at work, are they obligated to not call? I know 3rd party collectors cannot, if you tell them not to, but I forget the legal obligations for original creditors. Thanks.

I don't think you ever will get a response from Visa, so that's out. You should get a response from RS, though. I'd follow up with another snail-mail letter to their CEO and ask why they won't even respond.

It's Visa's policy. It is not the issuing bank's policy.

I think I know the answer, but want to make sure. I want to open a business checking account at a credit union where a relative with the same last name has a checking account. This relative isn't totally irresponsible, but may trip from time to time. What's the chances I could get caught in something they did just because we have the same last name? (My business name includes my last name) We obviously do not share SSNs, and my business has a separate tax ID number anyway.