Recent content by HelpinNJ

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    Jm Adjustment

    Following! We still Have not signed. No more calls or notices sent either. JM is no longer servicing this. When I spoke with BOFA they told me to go to a branch abd sign it. They would send a check. Even though my attorney said if all the numbers match to sign. ..I opted not too...
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    Jm Adjustment

    We still have not signed. I took the paperwork to my lawyer and he said to make sure the new documents match the originals as far as terms and numbers. They are calling us every other day and offered 500 to sign. Maybe I should hold off for 1k. :)
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    Finally A Settlement!!!!!

    I had my appointment with my lawyer on Friday. I am happy to say things went really well. I am now able to sleep. He said they will not come after me as I am completely upside down and it would cost them more money and they will get nothing. He said they will not and cannot do a wage...
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    Finally A Settlement!!!!!

    Thanks for your reply. Realtime Resolutions actually says tranferrred but doesnt say to whom. So their account is closed.
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    Finally A Settlement!!!!!

    Thanks Acesful. I have a plan via my employer...I pay 4 dollars a paycheck for legal. And when I called them they said for a situation like this I am 100% covered minus court costs and filing fees. So I am not paying for the lawyer. :) Hoping it is good to have him on my side!
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    Finally A Settlement!!!!!

    I actually have an appointment with a lawyer next week to see what rights I have. I do not want to file bankruptcy...our credit is alot better now....in the low 700s and I am trying to keep it that way. Veripro is not showing on our credit for whatever reason but Realtime Resolutions is. I...
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    Finally A Settlement!!!!!

    Thanks Acesfull. History on this 2nd loan is first it was Countrywide...then it sold to BOA...then it went to Realtime Resolutions..and now it is with Veripro. Wishing this would all just end! I thought they could foreclose if the house wasnt underwater?
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    Finally A Settlement!!!!!

    I made them another offer and they declined it. They said they want 20k which is just not doable. I thanked them and that was that. I guess now it is a waiting game?
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    Finally A Settlement!!!!!

    Will they attempt to foreclose if they say my house is worth 165k and I owe 155,500 on my first and 68k on my second? 1st mortgage is current and has been modified.
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    Veripro

    Yesterday I called Veripro and was able to reach a settlement of 5k on a 67k 2nd mortgage. Today the same lady called me back and said she made a mistake and that they cannot do 5k but need 20k. She informed me my home is worth 165k and I currently owe 155,500. Will they foreclose? Should...
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    Finally A Settlement!!!!!

    FYI...the told me my home is worth 165k in the area per their investigation. I owe 155....will they foreclose?????
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    Finally A Settlement!!!!!

    Bad news! Now they called me again today, the same lady I spoke with yesterday and told me that she made a mistake and they cannot settle for 5k and they want 20k. What in the world are they doing???????
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    Finally A Settlement!!!!!

    More good news. I found out that the legal plan I have through work will cover attorney fees to settle debt. :) It covers everything but filing costs and court costs which I doubt we will get to that point.
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    Finally A Settlement!!!!!

    After Veripro called my inlaws 3 times, I called them today. Mind you they were not calling me at my home. They said that was the number they had on file. About a month ago I made an offer to them using an online tool of 5k. T hey denied it saying it was not enough. I did not make any...
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    Veripro Phone Calls

    Ok well.....I just called them and they said they will accept my offer of 5k! I owed 67k. This is huge! Now onto how I can get some relief on paying taxes on this?