Search results

  1. H

    90 Day Definition and Loss of Good Standing

    If Feb 1 payment is not made by May 1, will a payment made on May 2 be 90 days or 91 days late?* February only has 28 days so???* Reason I ask.... Filed a chapter 7 in 2009 that was discharged in 2010. We recieved a HAMP MOD inbetween that time and it was considered discharged so nothing shows...
  2. H

    Rust Consulting Inc./BOA

    Tax or no Tax I called Rust Consulting and got the generic " Let me Answer Your Question by Reading Word for Word What You Can read For Yourself on Our Website" answer. So, essentially...no answer.
  3. H

    Rust Consulting Inc./BOA

    Has anyone who recieved more than $600 received a 1099 yet? If so, was it a 1099 misc ( and was it listed in box 3 or box 7) or a 1099-Int?
  4. H

    In Hamp- question on getting out of Loan Mod back to normal Loan

    On Hamp, you have to be in default by the equivilent of 3 monthly payments ( if the first payment is not received by the last day of the third month) before any foreclosure begins. Trust me..,, you want to be on Hamp! You even get credit incentives each year for the first 3 (?) Years. I have...
  5. H

    Rust Consulting Inc./BOA

    If you had a Chapter 7 BK that was discharged, assuming you did not reaffirm anything, no creditor can EVER come after you for any sort of funds after that time. That is the entire purpose of a Chapter 7. It wipes the slate clean and gives you a fresh start. Been there done that. We had a CH. 7...
  6. H

    Rust Consulting Inc./BOA

    I tend to agree with you.
  7. H

    Rust Consulting Inc./BOA

    It appears that those of us with Wells Fargo are fairing better than others. Not fair for everyone else. The criteria should have been the same for every bank.
  8. H

    Rust Consulting Inc./BOA

    In 2008, my husband took a new job out of state and we put our house up for sale right before the market tanked. We could not get the house to sell for the life of us, and then the market crashed and we were upside down in a 3 year old house. We moved out of state for the new job and rented our...
  9. H

    Rust Consulting Inc./BOA

    In Utah...check came today.... $6,000! Was speechless!
  10. H

    Rust Consulting Inc./BOA

    What year did they eventually do the modification?
  11. H

    Rust Consulting Inc./BOA

    FRB: Press Release--Payments to Goldman Sachs and Morgan Stanley borrowers covered by foreclosure agreement to begin May 3--April 29, 2013 Looks like you guys will get some sort of extra perks because you didn't get to file a review. At least that's a little something extra.... Best wishes..
  12. H

    Rust Consulting Inc./BOA

    1.Has anyone received a check for an amount that was what they thought it was supposed to be according to the chart? 2.Has anyone who has remained in their homes and are no longer in negotiations or BK's receieved checks? If so, how much? Best wishes to everyone. Will be checking the mail...
  13. H

    Rust Consulting Inc./BOA

    Was with Wells Fargo/ASC and supposedly check went out yesterday in the 3rd wave. Live in Utah. So will post an update when we get the check. Not counting on any of the money for basic necessities. If nothing else, $300 minimum will pay for the kids to do some extra activities this summer...
  14. H

    Rust Consulting Inc./BOA

    If I did the math correct, and according to the press releases on the OCC website, the first three waves have been for a total of 3,727,000 checks totaling $3,194,000,000.00. This leaves 473,000 checks left for a total of $406,000,000.
  15. H

    ASC/Wells Fargo "NEW" SUBORDINATION requirements ALERT!

    We were just about at the end of our Modification with ASC/WELLS when they said we had to get Saxon to subordinate the 2nd. It was a nightmare to get, but we finally did. The reason WF told us was that, in our county, even if you do a modification, a new lien has to be reported. So, when they...
  16. H

    HSBC chapter 7 reaffirm agreement

    Here is what happened to us..It can work out for the best... KimberlyS, that's exactly what we did. We filed Ch.7, did not sign a reaffirmation ,and weren't even living in the house ( nor the same state). Our BK took over a year and a half ( and unprecedented nightmare!), and while we were...
  17. H

    Late Payment AFTER Modification

    I know this thread was almost a year ago but I am curious as to what happened after you were late? We have been on a MHA HAMP for over two years and occassionally go 60 days and then make a double house payment. Our mortgage was included in a Ch. 7 BK so our HAMP loan doesn't even show up on our...
  18. H

    Rust Consulting Inc./BOA

    Sweetypeapk, did you lose your house?Modify? etc?
  19. H

    Rust Consulting Inc./BOA

    That's just wrong! Sounds like all they did was see you were "approved" at one point and said "Checkmark. That's where this one belongs". Didn't even look past that. So sorry!
  20. H

    Rust Consulting Inc./BOA

    I've seen a few people mention that they don't remember seeing any paperwork to fill out the review request or saw it and thought it was junk. We are with WF / ASC and don't recall paperwork in the mail, but every time I logged into the online portal for our account, a message popped up re: the...