Reinstatement attorney's fees - HOW MUCH? - Loan Modification Forum

algebrateacher · 08-08-2009, 05:44 PM

I live in Southern California and in the process of a divorce. I think they are going to deny my loan modification. As a plan B, I have come up with the amount I am in arrears and a little more for attorney's fees. The problem is Citi won't give me an amount so I can plan. I am also concerned about the property taxes they prepaid for me. My original loan was just PI and they have reworked it as PITI because I hadn't paid the taxes.

How much are attorney's fees? Are they reasonable? If I can put down most of it will they work with me on paying the rest in a few weeks?

Please respond quickly everyone!

algebrateacher · 08-14-2009, 11:53 AM

Okay. The attorney gave me his fees..$1783.04. I'm wondering what they will do as far as the money in the unapplied funds account and property taxes they have prepaid for me. Let's keep our fingers crossed everything goes well, I can reinstate and move forward.

algebrateacher · 08-14-2009, 08:22 PM

Got more information today! They added pending inspection fees ($15 per inspection), servicing fees, appraisal/bpo $100, "inspections" $75. My sale date is September 27 so the quote is good until that date. It also included the September payment which I thought was interesting. Also, they did not apply my entire unapplied funds balance. They shorted it $678. Again, interesting. I don't really care at this point. I'm paying this baby off at the end of the month, God willing, and moving on with my life.

algebrateacher · 09-04-2009, 05:14 PM

I sent the cashier's check off on August 28, 2009 via federal express to CR title services/five star service corp for the full reinstatement amount. They received the envelope Monday Aug. 31, 2009. They had to forward the payment to the payment center and it didn't post until Thursday, Sept. 3, 2009. The next day, Sept 4, 2009, the sale was cancelled. The priority posting site was updated after my reminder phone call on Sept. 4, 2009. All done. All safe.

I should mention. Citi is showing additional funds of $799 on my account. I knew they had overcharged me. After enjoying my new found security, I will ask them for a full accounting.

Thank You God for everything!

08-08-2009, 05:44 PM	#1 (permalink)
algebrateacher Member Join Date: Jul 2009 Location: Inland Empire, CA Posts: 16 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Reinstatement attorney's fees - HOW MUCH? I live in Southern California and in the process of a divorce. I think they are going to deny my loan modification. As a plan B, I have come up with the amount I am in arrears and a little more for attorney's fees. The problem is Citi won't give me an amount so I can plan. I am also concerned about the property taxes they prepaid for me. My original loan was just PI and they have reworked it as PITI because I hadn't paid the taxes. How much are attorney's fees? Are they reasonable? If I can put down most of it will they work with me on paying the rest in a few weeks? Please respond quickly everyone!

08-14-2009, 11:53 AM	#2 (permalink)
algebrateacher Member Join Date: Jul 2009 Location: Inland Empire, CA Posts: 16 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Reinstatement attorney's fees - HOW MUCH? Okay. The attorney gave me his fees..$1783.04. I'm wondering what they will do as far as the money in the unapplied funds account and property taxes they have prepaid for me. Let's keep our fingers crossed everything goes well, I can reinstate and move forward.

08-14-2009, 08:22 PM	#3 (permalink)
algebrateacher Member Join Date: Jul 2009 Location: Inland Empire, CA Posts: 16 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Reinstatement attorney's fees - HOW MUCH? Got more information today! They added pending inspection fees ($15 per inspection), servicing fees, appraisal/bpo $100, "inspections" $75. My sale date is September 27 so the quote is good until that date. It also included the September payment which I thought was interesting. Also, they did not apply my entire unapplied funds balance. They shorted it $678. Again, interesting. I don't really care at this point. I'm paying this baby off at the end of the month, God willing, and moving on with my life.

09-04-2009, 05:14 PM	#4 (permalink)
algebrateacher Member Join Date: Jul 2009 Location: Inland Empire, CA Posts: 16 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Reinstatement attorney's fees - HOW MUCH? I sent the cashier's check off on August 28, 2009 via federal express to CR title services/five star service corp for the full reinstatement amount. They received the envelope Monday Aug. 31, 2009. They had to forward the payment to the payment center and it didn't post until Thursday, Sept. 3, 2009. The next day, Sept 4, 2009, the sale was cancelled. The priority posting site was updated after my reminder phone call on Sept. 4, 2009. All done. All safe. I should mention. Citi is showing additional funds of $799 on my account. I knew they had overcharged me. After enjoying my new found security, I will ask them for a full accounting. Thank You God for everything!

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