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  1. M

    Notice of Default/Intent to Foreclose-What options do I have?

    I received a notice of default/intent to foreclose for 2 missed payments. I was 45 days late. I can pay the late payments but I have $5000 in late fees that I can’t afford right now. What options do I have? Do I try to negotiate with them to reinstate the mortgage by just paying the past due...
  2. M

    Citi 2nd Mortgage not paid for 6 years....what happens next?

    My last payment was in 2013. The mortgage was charged off but I haven't heard from Citi at all or no debt collectors. My house is still underwater so this could be the reasoning. But what happens next? Can they still collect or foreclose on it once it has equity? Or will the lien just stay...
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