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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

    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

    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?

    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

    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...
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    BOA offers in house mod 75 dollars less than original payment

    I dont even know how to respond, is this how they usually do an inhouse mod? I calle and left a voicmail, because im not signing anything at ALL untilI speak with a rep. I think a 75 dollar deduction is not realistic or helpful at all. Also I did not even apply for hamp because hud told me...
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    One year after mod nationstar raises payment by 350

    suntrust modded my loan , then immediately sells to nationstar, then wants to add 350.00 to my new payment because of escrow shortage, says when my loan was modded that took my escrow to 0 dollars. Now I went from modded and barely making it to behind once again. Nationstar reccomends a short...
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    BOA refusing my calls , cannot speak to agent

    I have called numbers listed by other members, numbers on my statement, and BOA will not accept my call. Meaning I call and it wnt transfered to agent without account number, then when I enter my account number it prompts me that no one is available and hangs up. Or it transfers me to "deborah...
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    Loan mod given with large baloon payment, now facing bankruptcy

    About a 16 months ago my loan was modified thru suntrust mortgage, then immediately sold to nationstar mortgage. the new terms are 2% for two years, then 3% on year 3, 4 on year 4, and finally 5 on year 5. balloon payment is close to 40k and 40 year term. mortgage amount is 315k on house worth...
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    suntrust mod update....No good news

    ok here is the deal loan balance 317k delinquency 22k actual cash value of property 290k tops being in the mod process for one year trial period for 8 months made 4 reduced trail payments 1500 totaling 6k called them stating I refused to make 5th trial payment or any more payments at all...
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    Suntrust mod..worst ever 10 months later

    unbelieveably suntrust has been holding me out on my mod for over 10 months, I have about had it , the sleepless nights, stress , and need to find a way to progress further. here is scenario bought the home in nov 07 for 318k, piti payment 2388.00 bought with stated income loan 6.78 fixed rate...