Search results

  1. M

    Don't Walk! You will Regret it!!!

    Thanks for the suggestion Jeffrey, But I'm in Michigan. I don't think a Mass. senator will care about helping. But really thank you anyways.
  2. M

    Don't Walk! You will Regret it!!!

    No I have not received any notice yet or any calls yet from Real Time Solutions. I keep checking my account online with American Home Mortgage and it still shows the total of my loan. Nothing has changed in my account balance from the day we chose to walk away. They have the house which is well...
  3. M

    Don't Walk! You will Regret it!!!

    Two years ago we chose to walk away. We had cashed in all the money we could, cut back on everything we could and chose to say screw it and walk away. Our house was foreclosed as we knew it would be, we moved on...Hoping we could move on and start to rebuild. WRONG WRONG WRONG!!! I just got a...
  4. M

    When will they take my house????

    Thank TooBee. I'm tired of it. I've already spent 2 years of hell worrying about everything, now I'm going to have them hounding me for the remainder for who knows how long.
  5. M

    When will they take my house????

    Thanks TooBee but I don't have the time or money to get an attorney. We still are barely making our bills and any time off of work hurts. Like I've said before theres no money for them to come after. I guess we will wait and see what they try to do. Last resort I'll file chapter 7.
  6. M

    When will they take my house????

    Looks like American Home Mortgage is going to come after me for deficency judgement. I got a letter today stating that they are transfering my loan to Real Time Solutions for collections. This after the letter I got last week that stated I was being transfered to Owen!! I give up!
  7. M

    When will they take my house????

    Thanks. I've checked, checked and rechecked. The house and all utilities are out of my name and have been for months. The house was actually out of my name 6 months before it should have been.
  8. M

    When will they take my house????

    There is not a second mortgage and no 1099 on first. I actually don't think I will be getting one this year if at all. The redemption period was not up until Jan of this year so If I do get a 1099 I don't think it will be til next year. I just can't see why they are transfering when everything...
  9. M

    When will they take my house????

    Need help with what this means My house was foreclosed last year. The bank should have taken possesion of it in Jan of this year. As far as I know they have not, but that's a whole other issue. I have a new question/problem. I just received notice from Homeward that they are transfering...
  10. M

    When will they take my house????

    Thanks Evan. Feels good to be in a new place we love (even though we don't own it) and the stress relief feels great. Now just to keep heading in the right direction and rebuild our credit and finances stress free
  11. M

    When will they take my house????

    Thanks for all the support Overanddone. Now it's just the waiting to find out what they do with the balance. But I've already decieded if they do come after us we will just file chap 7. It may delay our recovery a little but they can't get another dime out of me.
  12. M

    When will they take my house????

    I did double check and the utilities are no longer in my name. Thank god. The county does have it out of my name so that's good too. I tried to contact the attorney when we were moving, he said to contact the bank. I contacted the bank and they said to contact the attorney! Well it looks like...
  13. M

    When will they take my house????

    As long as they can't come after me for anything. I can prove I've been here since November. Not my fault if they dropped the ball I guess
  14. M

    When will they take my house????

    Thanks. All of our county records are online and it is no longer in my name. It was transferred in July even though we were in our redemption period until Jan 2013. We are no longer listed as owners but The house is a great house it has some issues but I'd hate to see it trashed but being left...
  15. M

    When will they take my house????

    A little background. Last payment 7/2011 Auction 1/2012 with 1 year redemption period. We had to be out of our house by 1/2013. We never heard a word for the mortgage company AHMSI in over a year and a half. We had to be out by Jan of this year so we moved out Nov 1, 2012. Found a rental...
  16. M

    Midland Mortgage

    I'd be Ok even if they bid Fair Market Value. Fair Market Value on date of auction was 175K, 255K was owed on the house, the bankd only bid 110k! Big difference.
  17. M

    Midland Mortgage

    I don't want to scare you or anything, but look very closly at walking. I'm at the very end of my foreclosure. My redemption period ends tomorrow so I hope the bank will take possesion of the house soon. We have already been out for 2 months. I was sure the bank would do a full credit bid, but...
  18. M

    Walking away in Michigan 2013

    I will let you know what happens with mine. The bank should be taking possesion of it next month. Although Michigan has the full bid rule, the bank did not do a full bid on mine. I'm looking at about 150k deficency. Scary to wait and see what they are going to do. If they do sue I will just...
  19. M

    renting from CL after short sale

    Most of the time you won't hear back if you don't offer any info they requested. When we did our application they never asked for banking info. The information they wanted was just the employment history, ss#, drivers license #. That was all for the credit and background check. The house we got...
  20. M

    renting from CL after short sale

    Be very careful with CL. I did just find my new "home" rental on CL, but was hit with a bunch of postings just like you are describing. I did not fall for any of that. If I could not get pictures and an address of the house first I would not apply. There were several that I replied to asking...