Attorney office suggested this- can you believe? - Loan Modification Forum

angel83 · 12-03-2008, 09:02 PM

Ok, I've been working with Paiva's office since August to try to get a loan mod. Loan audit one big violation. Mod denied because investor is not modifying. The letter I recd from the bank said the reason was because I am not late on payments....I have Indymac. Ok, so which is it? Anyway, we are trying a more stern approach, a letter is sent, wait to hear. Well, I have a second, also current. I get a call from a gentlemen in the attorney's office yesterday to talk about the possibility of trying to settle the second. I'm not opposed as long as I know a few things first. One, what does that do to my credit and two, am I going to be 1099'd? Three, if I had the cash available then I probably wouldn't be looking to mod, right? When I asked these questions, I was told "I don't know, I'll try to find out, but the taxes on 80,000 (second) won't be that much and you can make payments to the IRS"....come on really? Is this really good advice? What if I had followed it? OMG, I'm scared for ths kind of advice, unless there really is something I don't know....thoughts? ideas? suggestions?

Moe Bedard · 12-04-2008, 12:14 AM

Can you please email Moe with this information............
moe@loansafe.org

Moe Bedard · 12-04-2008, 07:22 AM

When this happens and there are legal violations that are ignored by the lender, the attorney needs to discuss possible litigation on how to proceed. I see denials all the time and you all need to show them that you will not put up with that.

To me, who cares if the FDIC is running the failed Indymac bank. Paiva should sue the FDIC if your loan has legal violations and they are not assisting you. But you have to work that out with your attorney and I recommend you demand help in that area.

angel83 · 12-12-2008, 06:03 PM

I have posted this in another new thread today, don't mean to double post, but I thought this was appropriate as it goes with this original topic and help would be appreciated.

Well, here we are Friday 12/12. I had been trying to contact Paiva's office for days and finally got thru to the 951 number and was told their systems had been down all week. Anyway, nobody there ever notified me of the status of the modification. I recd a second denial letter from Indymac this week for the same reason - I'm current. Well, gee, thanks. I was told there was nothing else that the processing center for Paiva can do for me and that my file had now been passed on to the attorney. Isn't that where I started in the first place? I'm confused. I was given the attorney's direct office number but I am feeling really lost and frustrated and honestly somewhat annoyed and left hanging. I have the TILA violation in the loan docs that I suppose should and could be persued, but who does this and at one point? I need some help and guidance with the next steps. I am pretty upset because I feel like they are blowing me off now. Is there a good contact person?

TreadWater · 02-19-2009, 07:05 PM

Hi angel83. Your story sounds just like mine. It's sad and very frustrating. Are you in litigation now?

Dan Bailey · 02-19-2009, 07:45 PM

treadwater, the threads you are reviveing are very old. It would help to keep all your info/questions to one thread in order to answer them. Many of the folks you are reviving/questioning are no longer involved in the forum.

TreadWater · 02-19-2009, 08:03 PM

I'm sorry Dan, I am merely trying to communicate with other members here who have hired the same attorney services. It may be a shot in the dark, but if they respond, any information is good information for me right now.

angel83 · 02-19-2009, 10:23 PM

I am still here. I am still working with the same attorney. Still frustrated. It seems like it is taking forever and I have thought about going to someone else. I'd have to pay all over though. How about you?

mo007 · 02-22-2009, 03:33 PM

angel83,

Who is the law office Pavia? Is that the same firm listed on this site?

Dan Bailey · 02-22-2009, 04:11 PM

mo007,
No, Paiva is no longer associated with Loansafe.org.

mo007 · 02-22-2009, 06:11 PM

Dan,

Is Griswold still associated with Loansafe.org?
I am looking to work with an attorney--any recommendations?

Moe Bedard · 02-22-2009, 07:16 PM

Here is a link to the attorney that is on the home page of the forum....
Safe-loan-modification-service | Home Mortgage | Protect Your Home & Mortgage With Loan Safe

12-03-2008, 09:02 PM	#1 (permalink)
angel83 Senior Member Join Date: Jul 2008 Posts: 214 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Attorney office suggested this- can you believe? Ok, I've been working with Paiva's office since August to try to get a loan mod. Loan audit one big violation. Mod denied because investor is not modifying. The letter I recd from the bank said the reason was because I am not late on payments....I have Indymac. Ok, so which is it? Anyway, we are trying a more stern approach, a letter is sent, wait to hear. Well, I have a second, also current. I get a call from a gentlemen in the attorney's office yesterday to talk about the possibility of trying to settle the second. I'm not opposed as long as I know a few things first. One, what does that do to my credit and two, am I going to be 1099'd? Three, if I had the cash available then I probably wouldn't be looking to mod, right? When I asked these questions, I was told "I don't know, I'll try to find out, but the taxes on 80,000 (second) won't be that much and you can make payments to the IRS"....come on really? Is this really good advice? What if I had followed it? OMG, I'm scared for ths kind of advice, unless there really is something I don't know....thoughts? ideas? suggestions?

12-04-2008, 12:14 AM	#2 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,888 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? Can you please email Moe with this information............ moe@loansafe.org __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

12-04-2008, 07:22 AM	#3 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,888 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? When this happens and there are legal violations that are ignored by the lender, the attorney needs to discuss possible litigation on how to proceed. I see denials all the time and you all need to show them that you will not put up with that. To me, who cares if the FDIC is running the failed Indymac bank. Paiva should sue the FDIC if your loan has legal violations and they are not assisting you. But you have to work that out with your attorney and I recommend you demand help in that area. __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

12-12-2008, 06:03 PM	#4 (permalink)
angel83 Senior Member Join Date: Jul 2008 Posts: 214 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? I have posted this in another new thread today, don't mean to double post, but I thought this was appropriate as it goes with this original topic and help would be appreciated. Well, here we are Friday 12/12. I had been trying to contact Paiva's office for days and finally got thru to the 951 number and was told their systems had been down all week. Anyway, nobody there ever notified me of the status of the modification. I recd a second denial letter from Indymac this week for the same reason - I'm current. Well, gee, thanks. I was told there was nothing else that the processing center for Paiva can do for me and that my file had now been passed on to the attorney. Isn't that where I started in the first place? I'm confused. I was given the attorney's direct office number but I am feeling really lost and frustrated and honestly somewhat annoyed and left hanging. I have the TILA violation in the loan docs that I suppose should and could be persued, but who does this and at one point? I need some help and guidance with the next steps. I am pretty upset because I feel like they are blowing me off now. Is there a good contact person?

02-19-2009, 07:05 PM	#5 (permalink)
TreadWater Member Join Date: Dec 2008 Posts: 17 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? Hi angel83. Your story sounds just like mine. It's sad and very frustrating. Are you in litigation now?

02-19-2009, 07:45 PM	#6 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? treadwater, the threads you are reviveing are very old. It would help to keep all your info/questions to one thread in order to answer them. Many of the folks you are reviving/questioning are no longer involved in the forum. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

02-19-2009, 08:03 PM	#7 (permalink)
TreadWater Member Join Date: Dec 2008 Posts: 17 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? I'm sorry Dan, I am merely trying to communicate with other members here who have hired the same attorney services. It may be a shot in the dark, but if they respond, any information is good information for me right now.

02-19-2009, 10:23 PM	#8 (permalink)
angel83 Senior Member Join Date: Jul 2008 Posts: 214 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? I am still here. I am still working with the same attorney. Still frustrated. It seems like it is taking forever and I have thought about going to someone else. I'd have to pay all over though. How about you?

02-22-2009, 03:33 PM	#9 (permalink)
mo007 Member Join Date: Jan 2009 Posts: 11 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? angel83, Who is the law office Pavia? Is that the same firm listed on this site?

02-22-2009, 04:11 PM	#10 (permalink)
Dan Bailey Loan Safe Moderator & Homeowner Guide Join Date: May 2008 Location: Wilmington NC Posts: 1,407 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? mo007, No, Paiva is no longer associated with Loansafe.org. __________________ Loansafe saved my home!! I may be alot of things, but I do know the difference between reply and forward.

02-22-2009, 06:11 PM	#11 (permalink)
mo007 Member Join Date: Jan 2009 Posts: 11 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? Dan, Is Griswold still associated with Loansafe.org? I am looking to work with an attorney--any recommendations?

02-22-2009, 07:16 PM	#12 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,888 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Attorney office suggested this- can you believe? Here is a link to the attorney that is on the home page of the forum.... Safe-loan-modification-service \| Home Mortgage \| Protect Your Home & Mortgage With Loan Safe __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

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