http://www.loansafe.org/forum/ Trying to stop foreclosure alone can be a painful and a depressing process. This section is where you can unite with other homeowners and let out your questions, frustrations and post your whole story. The more we know, the more we can help you stop foreclosure. No one will be judged or criticized for posting their story. en Fri, 20 Nov 2009 23:19:17 GMT vBulletin 60 http://www.loansafe.org/forum/images/misc/rss.jpg http://www.loansafe.org/forum/ http://www.loansafe.org/forum/stop-foreclosure-tell-us-your-story/19078-imb-owb-mods.html Fri, 20 Nov 2009 21:48:30 GMT Not sure what we're eligible for but, here's our story:

Difficult finding work due to my history of stage4 lung cancer.

Just submitted a mod application 2 days ago.

Mortgage is $3450/mo w/PITI

$416,000

$90,000/yr income(wife)

Late on payments but, current for now. Savings gone.

I've read the horror stories here dealing with IMB/OWB.

Thanks for any insight or suggestions ]]> Stop Foreclosure and Tell Us Your Story stagefoursurvivor http://www.loansafe.org/forum/stop-foreclosure-tell-us-your-story/19078-imb-owb-mods.html http://www.loansafe.org/forum/stop-foreclosure-tell-us-your-story/19066-b-what-does-mean-help.html Fri, 20 Nov 2009 18:59:03 GMT I've been in the process for almost 4 months...I've been dealing with one guy for the last month on my modification and he's been updating me. I didn't hear from him for a week so I decided to email the head guys again and heard back that night, they contacted AJ (the guy I've been dealing with ) and he got back to them telling them that I qualify for the modification they are just waiting for it to get done and as soon as it is they'll send me the info.

What should I take this as meaning? Does it mean I will definetly get a mod? I know he told me they are looking for a 10% drop in income which we have.

What should I expect if I get papers? Does everyone get a trial period? and if you get a trial period are you guaranteed the modification if you make all the payments on time? ]]> Stop Foreclosure and Tell Us Your Story nygirl07 http://www.loansafe.org/forum/stop-foreclosure-tell-us-your-story/19066-b-what-does-mean-help.html http://www.loansafe.org/forum/stop-foreclosure-tell-us-your-story/19047-asc-me-3-boys.html Fri, 20 Nov 2009 04:50:41 GMT Hi, I feel so lost... ASC a subsiderary of Wells Fargo is my mortgage co. In September 09 I was late on my payment about a week after the grace... Hi, I feel so lost...

ASC a subsiderary of Wells Fargo is my mortgage co. In September 09 I was late on my payment about a week after the grace period and assumed we may be late again the next month. I thought calling right a way was the best thing to do.

On the 28th I contacted them and asked if there was any way I could do a modification. They sent a work out pkg I filled it all out with the supporting info., called them, they told me not to send it, just to qualify over the phone.

I told them my story ....

3yrs ago when I refied cash out 30k, my car was stolen, my mother in another state asperated and I had to place her in a skilled nursing facility, a year later mycat of 18yrs died which was a huge vet bill and one week later ... I was told I had cancer. The inscision herniated. I had to quit my second job and through all that. Here I am now trying to get by.

The numbers ....

I owed 70k refi cash out 30k = now owing 102k
Current value now 35k - 45k

My loan is NOT Freddy Mac or Fanny Mae which disqualifies me for the "Home Affordable Program" ASC sold my loan to private investors.

"The Hope Hot Line" ....

I call with them on the line...thats about it.

ASC infomed us yesterday (November 18th) because I didnt fill out the paper work the closed my file!!!!!! I NEVER GOT ANY PAPER WORK!!!!
They dodge the mention of sending it certified or any tracable manor. I offered to pay myself.

I wasnt behind, now I am, will Christmas be outside this year?

JJ in AZ

theeplanb@aol.com ]]> Stop Foreclosure and Tell Us Your Story THEEPLANB http://www.loansafe.org/forum/stop-foreclosure-tell-us-your-story/19047-asc-me-3-boys.html http://www.loansafe.org/forum/stop-foreclosure-tell-us-your-story/19044-has-anyone-ever-heard-kardia-capital.html Fri, 20 Nov 2009 04:19:40 GMT My parents are on the verge of losing their home. They were denied a request for a loan modification 5 times by Central Mortgage Company. 4 out of... My parents are on the verge of losing their home. They were denied a request for a loan modification 5 times by Central Mortgage Company. 4 out of the 5 times, they denied them stating insufficient income. This most recent time, they actually told my parents that they now have TOO MUCH income. They started the foreclosure process, and a trustee sale is on 12/7.

They are trying desperately to keep this home.

Has anyone heard of Kardia Capital? They are trying to push back the sale date and are considering going into litigation, but who to trust? I'm not sure how my parents found this contact at Kardia Capital, but they are some sort of loan modification/debt specialist. I was wondering whether anyone has worked with them, and what their experience was.

They reside in Northern California. Any suggestions on someone they could work with who is trustworthy, knows what they're doing, and able to help us push back the sale date?

Thanks :o ]]> Stop Foreclosure and Tell Us Your Story amk250 http://www.loansafe.org/forum/stop-foreclosure-tell-us-your-story/19044-has-anyone-ever-heard-kardia-capital.html