Recent content by Rc3

  1. R

    HELOC Settlement Question

    Just wanted to respond on this old post. I had asked questions several times on a charged off HELOC. Bottom line I really wanted to refinance and in the process clear up the HELOC lien that was on my property which I knew had to be done to refi anyway. I had forgotten about this post so I...
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    Settling a long ago discharged HELOC?

    Last company I received a statement from was USAA the issuer but that was around the time of my BK so about 9 years ago. I actually called them the Jan after my BK asking about my interest tax statement and was informed that the HELOC was discharged and while the lien still existed it was not...
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    Settling a long ago discharged HELOC?

    Yeah, I also worry about poking the bear too but it has been 9 years and no one has ever attempted to settle with me. I'm not even sure if the loan was sold off or anything. I also worry about getting a foreclosure notice demanding the full 30K I owe which I couldnt pay. I feel like after 9...
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    Settling a long ago discharged HELOC?

    Oh and 1st while never reaffirmed I had a loan mod like 4 years ago and never late since.
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    Settling a long ago discharged HELOC?

    So I was a success story a while back on a loan mod. Short version, back in 2010 we declared Chap 7 and everything was discharged. I have not made a payment on my HELOC in about 9 years and have never heard from them as they can not contact me on the debt but never tried to foreclose. So...
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    HELOC Settlement Question

    Thanks, yeah 40% would be pushing all our savings right now. Might just let it sit longer till we can afford like 50% which would leave us some cushion. Its been 8.5 years since so no issue there. We dont plan to move but would like to refinance. Maybe we wait longer or look into a settlement...
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    HELOC Settlement Question

    Evening all, it has been a while since I have been here and that's a good thing. Going on 8 yrs since our BK and a modification with no issues since. Anyway my question, after our BK my HELOC with USAA was discharged. I made small payments for the year after BK to keep the balance from...
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    Hamp Questions Pre Filing

    nice, yeah I was denied hamp and in house approved so maybe that was the delay. Same as you, just happy to be current. My life can start again. Nothing else to hear, just make my payments and nothing to sign
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    Loan Mod Received, Questions

    I just talked to my rep. I wasnt given a hamp mod, a standard mod which means all my terms remain the same. They basically took what I owed ($143k) then added on my taxes paid and interest accrued to give me a new balance of $154k. That was then done as a 40 year loan at my existing rate...
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    Hamp Questions Pre Filing

    Courntey, I just talked to her. I wasnt given a hamp mod, a standard mod which means all my terms remain the same. They basically took what I owed ($143k) then added on my taxes paid and interest accrued to give me a new balance of $154k. That was then done as a 40 year loan at my existing...
  11. R

    Loan Mod Received, Questions

    ok and we were not approved for a hamp mod, in reading it says standard mod.
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    Loan Mod Received, Questions

    Just to clarify, they also paid out our taxes for the year so really I guess our balance is more like $150k, but still those mod number seem off
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    Loan Mod Received, Questions

    Ok so after 7 months we were actually approved! That's the good news and regardless I will take it but I had a few questions. I am a numbers guy so the monthly amount doesnt make sense to me. My previous mortgage was 30 years at 6.375% (horrible I know but I did a no doc loan long ago and...
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    Hamp Questions Pre Filing

    Hey see my new thread with questions but if anyone reads this thread in the future, 7 months and I am approved! Not sure if its a great deal but its a deal and it lets us keep the home!
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    Hamp Questions Pre Filing

    Yeah, we also want to keep the house and we have positive equity. Obviously I didnt hear anything yet and kinda expected even though our RM seemed hopeful. She has been the same one throughout as well. I rarely call, I like email contact so I have proof of what was said and when. She is very...