Recent content by Housebroken13

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    Seeking Advice - New servicer reporting discharged non-reaffirmed (2009 bankruptcy) mortgage loan payments to Credit Bureaus

    Thank you. I emailed, faxed, and sent a letter certified mail with all relevant bankruptcy documents today. I also sent them to each of the 3 credit reporting agencies, my state attorney general, and the CFPB (I also sent a complaint) In addition, I consulted with my BK attorney yesterday
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    Seeking Advice - New servicer reporting discharged non-reaffirmed (2009 bankruptcy) mortgage loan payments to Credit Bureaus

    Hi, Need some guidance. My Credit Score was up above 700. My home loan which was discharged and non-reaffirmed in a 2009 Chapter 7 bankruptcy was recently transferred to a new servicer (Nationstar / Mr. Cooper) The BK public record fell of my report about 3 months ago. When I filed...
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    Looking for options - Bankruptcy fell off Credit Report - Home underwater

    Thanks. I did send him an email directly the other day. Waiting to hear back. Any idea around the waiting period for the FHA? Assuming it would default to the original date of of BK and not the short sale if I went that route.
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    Looking for options - Bankruptcy fell off Credit Report - Home underwater

    I should add that we have plenty of income for a larger mortgage payment if necessary; assume that helps DTI ratio...
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    Looking for options - Bankruptcy fell off Credit Report - Home underwater

    Thanks for replying. My credit score is in the low 600's. (mostly CC debt that we are paying off as part of bigger plan) My BK public record just dropped off my CR 2 weeks ago. Since the mortgage was included in my BK they are no longer reporting my payments to the credit bureaus. I keep a...
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    Looking for options - Bankruptcy fell off Credit Report - Home underwater

    Hi, Located in CT. Filed BK in 2009 (home was discharged therein). Stayed and paid in home; currently underwater. Bankruptcy just came off of credit report. Need a larger space for growing family. Mortgage payment made every month (rolling 60 days late - I pay at day 59) What are options...
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    Seterus Harp Refinance Success Story

    Okay - That helps. My loan is backed by Fannie Mae not Wells Fargo. So my payment looks like it might be the same or possibly increase. Do they do anything w/ the principal balance w/ HARP (Reduction, ect)? I know this is a HARP thread but is there any possibility of me being able to...
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    Seterus Harp Refinance Success Story

    Thank you for the reply. As far as home values go I would say they are leveling out; and from what I see from a sales standpoint the majority of homes are having their list prices decreased on average 2-3x before they get sold. We certainly are not seeing the rises some other areas of the...
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    Seterus Harp Refinance Success Story

    Hi Erik, my loan is serviced by Seterus and is Fannie Mae backed. I have a MIN number. My homes market value is around $180,000 and my balance (modified w/ Bank of America) is approx .$291,000. My loan modification did not include a principal reduction. I am located in CT. My mortgage was...
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    Options For Refinancing Home Post Bankruptcy - Not Reaffirmed / Stay And Pay

    We had the mortgage discharged in BK in 2009 and continue to pay. Loan is with Seterus. Our discharged loan is upside down. At this point there have been some positive income changes for us and the topic of moving or putting a second floor / dormer have come up. Question is if there are...
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    Pay & Stay - Options If I Want To Move

    anyone familiar with a mortgage release. Here in CT. I've been told you can get up to $10,000 for relocation costs. We've been assuming we can walk away from this house w/o penalty or a need to do a short sale since it was discharged in bankruptcy. I think we are looking to get approved for...
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    Seterus Demand Letter -default Notice

    Hi just to add to this. I am in the same boat. I was almost 60 past due, got a letter and had just made a payment for half the amount shown (Septembers Payment) due on the demand letter. At that point I setup another payment exactly at the 59 day late mark. (For October) Then I received a new...
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    Greentree

    Me too
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    Green Tree Servicing To Pay $63 Million To Settle Federal Charges

    We can only hope. They did a lot of damage to numerous consumers. I've already sent a correspondence to the CFPB
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    Green Tree Servicing To Pay $63 Million To Settle Federal Charges

    I had a Second Mortgage that was serviced by Greentree for many years. I settled for about 60% of the total loan amount after it was charged off over a year ago. I was a victim of their practices. How can i be assured that I will be included in the settlement and a recipient of funds...