Microsoft word release of lien template download on gobookee org free books. When I look back on my history, everything is recorded within 30 days.not 5 years. We are considering a short sale, but we were told that if we were to do a short sale, then we would be re-affirming the debt and we would get a 1099 for the discharged balance.

I just don't understand how they can legally foreclose if they don't hold the title.\n\nThank you, have a great day. I'm not sure what I need to do, but I think I need to have a securitization audit done and then sue for quiet title. If they found that the home was unoccupied, they most likely changed the locks to get access to the home to check up on the property and try to avoid the vandalism that you saw. When a home is sold, the portion of the mortgage that was used to fund that home is paid back to the lender, and then retired.

You do have a couple of other options that might help you have more control over the process of getting title out of your name. The county where I live is not online, so you cannot look it up. While technically the HOA could pursue the BK, still the \"titled\" owner, most likely that will not occur, either.\n\nThe still titled-owner, should keep abreast of what the lender is up to concerning title.\n\nYou column makes it all extraordinarily confusing, apparently, for several folks. I think owning your home free and clear because of a paperwork mistake during the foreclosure process is an urban myth.

To learn more about reverse mortgages, homeowners can call GreenPath Debt Solutions at 888-860-4167 to schedule an appointment or log on to www.greenpath.com. It was 5 years later in 2011 that they recorded "assignment of trust deed" with that bank's name on it. Hi Scott, Thanks for your input, I appreciate your advice. According to county records, the property was sold at that auction to Wells Fargo, for more than our original mortgage. Hey Cindy, Most of what I've heard about MERS fraud is the mishandling of paperwork that means that the notification process and timelines, and even execution of the foreclosure was not by the books - but in the end, the only reason that was even an issue was that the homeowner defaulted on the loan.

We are planning on renting our current home which our family has outgrown. Search car listings to find minivan buy used minivans for sale at auto dealers. A blanket loan, or blanket mortgage, is a type of loan used to fund the purchase of more than one piece of real property. We are currently a family of 7 living in a 2 bedroom apartment. However the home must be a single family home or a one-to-four unit home where the borrower actually lives.

I was just wondering if you have heard anything about this and is it true. This personally sounds like a predatory attorney to me. Since we are not financially liable for the debt on this home, can we do a quit claim deed and just trasfer the property back to the bank. We get the pre-approval and as soon as a case number was pulled, a foreclosure came up and the date on it was March 25th, 2011, 2 years after our discharge date.

Hi Scott, I've read through stories and didn't see an answer to my question. Hi Alan, I am not currently aware of any bankruptcy motions that you can file to force the lender to transfer title. When an interested individual calls GreenPath, they will be asked a specific set of questions to determine if they are a likely candidate for a reverse mortgage.” The great thing about qualifying for a reverse mortgage is that there are no income or employment qualifications,” explained Briggs-Kelly.

Hi Jimmy,\nIf you included your mortgage in the bankruptcy then you are no longer liable for the debt unless you sign a new contract with the lender. This is done to facilitate purchases and sales of multiple units of property with the convenience of a single mortgage. Hi Janet, it's always possible to speak to the lender to see what your options are - I'm not sure what "make a deal" might mean. That is basically an agreement between you and the bank to just \"turn over title\" in exchange for canceling the debt (which is already cancelled).\n\nHope this helps. They may already have contacts of people inside Citi and can expedite the process.\n\nThe other option is to contact Citi and find out the requirements, or their openness to a Deed in Lieu of Foreclosure. Traditional mortgages typically have a "due-on-sale clause", which stipulates that if property secured by the mortgage is sold, the entire outstanding mortgage debt must be paid in full immediately.

Attorneys who pre-register are guaranteed free free mortgage release registration when our new service goes live. Learn about geico s auto insurance. You will want to find a real estate agent that specializes in negotiating short sales with Citi - that's important. This personally sounds like a predatory attorney to me.\n\nHope this helps. Hi Scott,\n\nI think I already found my answer.

Wells Fargo can't give me any information on it because they say it is a closed case. It appears that Decision One held the title until 2011, but they went out of business, so they didn't. The outcome will hopefully be the same, with the bank having the house and us renting, but I would like to avoid as many collection calls & letters as possible.\nThanks. Hi Cindy, I would almost certainly say that it was a telemarketing call from an attorney service trying to make money off of you.but I seriously have no way of knowing for sure. Jun how do i find houses for sale with land contract or rent to own options.

I am not an attorney, and this is definitely a question for an attorney. A lot of stories ended with a loan modification if anything. Same for insurance--if the \"titled\" owner lets the insurance lapse, the lender will procure its own.

In many states, not paying the taxes will be of no consequence, since they'll be added to the lien structure, and the lender will end up paying them. Deed in lieu is by far the easiest option, short sale would be the second best option for having any control over the timelines and the process. While technically the HOA could pursue the BK, still the "titled" owner, most likely that will not occur, either.

I will research it and if I find anything that can help you, I will post it here. For nearly forty years fairmont homes manufactured home dealers websites has met the dreams of home owners. However, the mortgage company filed a relief from Stay which we were told was going to happen by our attorney. There has to be an easy way to just transfer back to them.

I refinanced in 2006(see above)with Decision One. I was paying Countrywide after Decision One and then to Bank of America. I've been checking into it and asking a lot of questions. Would you like to increase your practice's income. Hi, I went bankrupt 3.5 years ago, and discharged my mortgage in the process.

As I was investigating all of this, I read that I can do the securitization audit and then sue for quiet title that will determine who the real property owner is. Hi Jimmy, If you included your mortgage in the bankruptcy then you are no longer liable for the debt unless you sign a new contract with the lender. In the beginning when I purchased my home it was recorded in my county and the last refinance that I did, it was recorded in a neighboring county. Reverse mortgages enable homeowners age 62 or older to convert their home’s equity into cash.

Hi Susan,\nThe best possible scenario is a short sale or deed in lieu of foreclosure. A reverse mortgage is a loan where the lender advances money to the homeowner based upon the equity in the home,” said Briggs-Kelly. I removed my last name and the doc free mortgage release number for privacy reasons. The advantages of modular home building are many. And, we had no idea so we couldn't do anything about it.

What you may be trying to convey is that until the home is foreclosed on, you are STILL the owner of record. Online payday loans are marketed through loan cash online info e mail, online search, paid ads, a. I've done my research and believe there is fraud.

My question is, after this amount of time, if necessary, could I walk away from the house and expect that I would be refinanced in a rather quick manner, taken into consideration that I have made all other payments for all my other debts on time. Sep banks and credit unions want to learn about your financial past before paid, a. M pet polyester film is an alternative to kapton film for covering your print. As long as your payments are being made and the current servicer can verify that the payments are being made as agreed, I don't think there's anything to be concerned about. So, technically if I still own the home, I should be able to go in there anytime I want, correct.

Results of can i move part of my mortgage to equity release and keep the rest with my. Dear Scott, We filed for BK in December of 2008 in Washington state. Dear Scott,\n\nWe filed for BK in December of 2008 in Washington state. In their "Relief Motion to Vacate Stay Order", they included provision to contact debtor, offer Modification etc, etc, etc. While the lender may try, up the road, to be reimbursed for the insurance expenditures, it is unlikely to occur.

Since the property was included in the Ch 7 bK, if the property is sold as a short sale, will this action be considered as an act of entering a \"new contract. My wife and I are just about ready to discharge from BK13 and we have just found out that our one mortgage company has went out of business and that we are still paying that company. Can I Rent Out My Upside Down Home and Buy Again.