Recent content by Down_with_Suntrust

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    5yrs After Ch7, I Want A Heloc On Primary Home Not Reaffirmed

    House had limited equity in 2012, ch7 discharged Dec. 2012. Suntrust modified terms in 2011 in house modification. 40yr note currently at 5% fixed with 43k interest free balloon due at end of 40yr term. No other loans or leins. Been here 5 more years as a stay and pay. Balance is 290k , Added...
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    Bank Of America Wont Forclose/statute Of Limitations

    I am in md, the statute of limitations is 3 years from last payment on any type of debt. I have not made payment on first 143k, or second 50k in over 3 years this year. Dec 5th this year it will be 2 years since my ch 7 was discharged. Does this mean I should hire an attorney and nullify...
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    Three Years No Payment/ No Sale Date Boa

    Did no reaffrim anything in CH7 at all. cars, real estate, anything. Spoke with BOA today and I am trying my best to get a deed in leiu approved. They want to offer the 2nd who is owed 5k to release, I think this is good for them, if it goes up for auction there wont be enough to cover the first...
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    Three Years No Payment/ No Sale Date Boa

    Home is in MD, loan was a refinance, and first and second loan were discharged in ch7 bankruptcy.
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    Three Years No Payment/ No Sale Date Boa

    my first home was discharged in ch7 december 5, 2012. The first mortgage was 134k, 2nd 50k thru local bank. After I left the home it was completely stripped by vandals,All piping,electrical wire,appliances and hvac system/furnace have been stolen , and was seriously flooded due to copper...
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    BOA went in my home and completely gutted it, I am still on deed and own property

    Called safeguard, 1-800-852-8306, they are agent hired by boa, they said they removed drywall due to flooding, I said no shit vandals stole the pressurized water pipes, they are escalating this to their supers as we speak. I told them untill further notice they are to stand down, not enter...
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    BOA went in my home and completely gutted it, I am still on deed and own property

    Police came and took a report for break in and the missing copper piping. calling the insurance company today and giving them the police report #. Been on the phone with BOA today , and what a joke, no one knows anything so far, been on phone for an hour. The house is located in Maryland, is...
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    BOA went in my home and completely gutted it, I am still on deed and own property

    update: went to property, had police verify the break in, made a police report. There was copper piping removed recently, this is why there was alot of water in the basement. Te house always had issues with drainage in the basement, so apparently BOA did gut the basement without my knowledge or...
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    BOA went in my home and completely gutted it, I am still on deed and own property

    Not robbed. why would robbers take all the old dirty carpeting, all copper pipes are still there, not vandalizim. BOA is paying for electric there , so they are my top suspect. my latest mortgage statement bills me for a sump pump, but there was 6 inches of water in basement today. I am calling...
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    BOA went in my home and completely gutted it, I am still on deed and own property

    I do my random checks on my property , which BOA owns the mortgage. Have not made a payment in 20 months. House has never had a sale date. I spent 30,000 on a basement renovation about 5 years ago, and i walk into the home and the entire basement is gutted. The bath is gone, flooring ...
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    Predatory loan mod with intrest rate hike and balloon?

    The mod should have been a fixed rate mod, why would an adjustable rate make sense for a distressed homeowner. the house has fallen in value since the mod was done, and they will never get 330k on the open market for it. I am looking into being represented based on the fact that this was a...
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    Predatory loan mod with intrest rate hike and balloon?

    The home is in maryland. I was employed as a salaried position. I think it is predatory because when the interest rate climbs the payment will be more than 31 percent of my income then, and with the 250 added thru escrow Im back to a un-afordable payment. I am currently seeking an attorney to...
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    Predatory loan mod with intrest rate hike and balloon?

    I have filed ch7 (aug 2012) to release alot of really bad debt, and decided to keep my primary residence. The home is worth around 270k, I owe approximately 320k, Suntrust modified me in late 2010, here is how it went Interest reduced to 2% on 40 year term, interest rate hike every two years...
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    Giving up on BOA mod, advice on cash for keys

    not worth the effort. guess ill tell boa to pack sand.
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    Giving up on BOA mod, advice on cash for keys

    Im giving up the fight for my home, hud says I don't qualify for hamp, BOA offers me in house mod- 40 years at 6% (which I wont accept) I am currenty 8 years into a 30 year loan, I wont pay 48 years on a home. house is worth about 170, and I owe approx 200, 51k on 2nd. I have made one trial...