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  1. troubleinriverside

    Settling a long ago discharged HELOC?

    It’s been a while since I visited this site. Interesting topic since I’m right in the middle of this So my Chapter 7 discharged in May 2010 and I had a 240K HELOC that was discharged by HSBC. A couple years back I read about some members here getting Lein releases from HSBC . I tried but my loan...
  2. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    Its been some time since I updated my status with HSBC. I sort of gave up a year ago because I couldent get an answer from the lien release department of the company who had taken over all the defaulted HSBC mortgages. They could never seem to find my account. So today I decided to try again. I...
  3. troubleinriverside

    How Best To Proceed On Heloc

    I have a HSBC Heloc discharged through BK Ch 7 and Charged off in 2010. HSBC turned over the bad accounts to another servicer in New Jersey. I have been trying to obtain a Lein release for almost 2 years. They just cant seem to find my account. Back then there were hundreds of thousands of...
  4. troubleinriverside

    Home Loan Programs With A Prior Short Sale Or Bankruptcy

    Hello, I have been a member here for quite a while and been sitting tight waiting for a solution. here is my situation; 8 years since bankruptcy discharge 1st mortgage with CitiMortgage Bal $380,000 10 yr in only elapsed, Loan originated in 2005, variable currently at 4.35% (6 month Libor) 2nd...
  5. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    thought I would stop by and update. Well I have been pinging HSBC for over a year and no luck. I think they lost my damn documents. I keep dealing with this company called PHH who HSBC turned over all their defaulted loans to. I have dealt with several people who take my information and claim to...
  6. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    Ok so I'm still going round and round with this, after several calls we determined that the loan they called unsecured is some other old account. After digging and talking to several HSBC people who had been there a while they found some information. My loan was originated at HSBC Bank in...
  7. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    Ok so its been a while and I never received a response or found a lein release filed with the county. So I called that number. It was the Bankruptcy department. They looked it up and acknowledged the loan and said in was in the archived file. so I said how do I get a lein release ? They kept...
  8. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    Thought I would check in with an update. I havent heard anything from HSBC and its been almost 60 days. I keep checking Riverside county recorders website but they are about 30 days behind in updating the records system on whats been filed. i'll keep checking
  9. troubleinriverside

    10% Down Jumbo Loans 4 Years After Foreclosure Or Short Sale

    thanks for the quick reply Erick. The second was charged off early in 2010 according to my Credit Reports. My biggest concern is my credit score is a bit low due to a couple of car loans and balances on Credit cards but no lates, around 600, but I would think on paper, with below 80% LTV and I...
  10. troubleinriverside

    10% Down Jumbo Loans 4 Years After Foreclosure Or Short Sale

    Hi Erick, I have been following your posts , so thanks for helping us here. Here is my situation. I had a Bankruptcy discharged in 2010, so that 6 years in May 2016. I have a 30 year with 10 year int only loan and the int only expired 1 year ago. It is with CitiMortgage. I had a 2nd with HSBC...
  11. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    So I bit the bullet and called that number. Got somebody in India. took about a half hour but they couldent locate my account. So I told them what I wanted and they transferred me to the Lien release people who were obviously in the states. she couldent find my account. So she instructed me to...
  12. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    Hello, Was this with HSBC Bank in Buffalo New York or was this with HSBC mortgage. My loan was with the Bank in Buffalo and not HSBC the mortgage servicer.
  13. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    Thought I would check in here and see if anyone has anything new to report. Its now been 6 years since my bankruptcy discharge, and HSBC charge off. I still haven't heard a thing from HSBC, or received a 1099-C. Home prices in my neighborhood are climbing and very close to pre crash values.
  14. troubleinriverside

    Loan After Bk, Paying To Stay

    I'm going to follow this thread because I'm in somewhat of the same situation. I want to retire and relocate to Arizona in a couple of years or sooner and buy a house there. I had a bankruptcy in January 2010. Did not reaffirm 1st or 2nd. Never late on 1st but stopped paying 2nd and have never...
  15. troubleinriverside

    Not Going To Let Wells Fargo Get Away With It.

    Wow. Dident you file Chapter 7 about 5-6 years ago ? Are you allowed to file BK again this soon ? Did you ever solve that situation with the business partner ?
  16. troubleinriverside

    Williams & Fudge...here We Go...

    W & F seem to be big collectors for School debt. My daughter had some debt assigned to them , same situation as yours. The school for some reason reported to Fedloan 3 years ago December that she had withdrawn from school. She hadent and had already registered for a full boat of classes for the...
  17. troubleinriverside

    Hsbc Foreclosure

    That's very interesting information you uncovered. My HELOC originated with HSBC Bank in Buffalo, NY in April 2007. I went bankrupt Ch 7 in May 2010 and haven't heard a word since they charged it off. I keep checking the recorders website and the original Lien remains. The balance was $250K...
  18. troubleinriverside

    My HSBC 2nd mortgage negotiations round 3

    Good for you Dave, finally a success story. And best of luck on your retirement. I am 60 and working on my exit plan. I'm thinking on moving to Arizona on a larger parcel of property and putting a couple of manufactured homes on it. I'll have a pretty good pension coming, unless the 91 freeway...