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  1. erzulie

    Hiring An Attorney

    Having a horrible time with my situation. - Current until 3/2017, with Chase. Lost my job. - Filed for assistance from Chase; during their process, they transferred me to SPS Servicing, a collection agency. - Did my best to work with SPS; they gave me the runaround. Approved me for some sort...
  2. erzulie

    Maximum Number of Loan Modifications - is this a thing?

    Hi! Question. My situation is that, I had my loan modified through HAMP, back in 2010. Everything went swimmingly ... payments affordable, made on time ... all is well. Fast forward to October 2016; I lost my job. I managed to continue paying my mortgage, via draining my savings, but ...
  3. erzulie

    Allied International Credit - Collection Agency on the 2nd - Can I Ignore Them?

    Hi Everyone! I am a California homeowner, successfully modified my first mortgage in February of 2011 (after two years of struggling - for those in pursuit, don't give up!) with Chase, and then ... continued to ignore the HELOC (which I had already been ignoring for about a year at that point)...
  4. erzulie

    What's the point of settling on the second anyway?!?

    Forgive me for sounding totally ignorant ... I need some guidance. I got a modification on my first (yippee!) - very good terms - MHA - payments began February 1. Super happy about that. My second (a purchase-money HELOC) - haven't paid in over a year. Charged off over 6 months ago...
  5. erzulie

    FEDEX DELIVERY OF PERMANENT MOD DOCS! Never thought I'd see the day ....

    ...well, let me rephrase ... was "cautiously optimistic" that I'd see the day, but ... still in a bit of disbelief now that it is finally here. I don't have the full terms yet; docs are at home, I am at work, but ... my quite handy and very helpful/forthcoming Homeowners Assistance...
  6. erzulie

    HELP - Trial Payment Returned By Chase .....???????

    Latest - my rep told me that on 10/26/10, my file was sent to Q.C. for "final approval". Still waiting on the permanent mod paperwork. I was put into an MHA Trial effective May 1 ... have been making trial payments every since that time. When I make my trial payment, I go onto my bank's...
  7. erzulie

    What is a reasonable offer to make on CA non-recourse HELOC settlement?

    First of all - let me say THANK YOU for this website. I would be entirely lost without it, and the resource that is all of you ... I am in Month 7 of my MHA Trial on my mortgage. I purchased my home in CA in September 2005; did 100% financing. Snapshot of "present day" is as follows...
  8. erzulie

    HELP! "Acceleration Warning" letter received by Certified Mail ... what do I do?!?!?!

    Okay, here is my sitch. Approved for MHA Trial Plan in March 2010 First Trial Payment due May 1, 2010 All documentation provided, and recently updated ... trial payments have been made on time May 1, June 1, July 1, Aug 1, Sept 1 Calls put in, each time through end of August - "we have...
  9. erzulie

    IMPORTANT TIDBIT FOR THOSE ALREADY IN A MHA TRIAL PERIOD, waiting for a final answer....

    Okay! Got a call back from the gentleman that I had been dealing with at the in-person Homeowner Center in Santa Ana; frankly, I chose to give him the benefit of the doubt, because he is the person who got me the MHA approval to begin with, and so far has not let me down. Quick recap - I am...
  10. erzulie

    Entering 6th Month of MHA Trial Period - But Suddenly "File Closed"... No Explanation....????

    To refresh - after months of the "go around" with Chase, in February, I met in person with a representative from Chase's Home Preservation Center; a completed MHA packet was submitted to them at that time. In March, they had me approved for a MHA Loan Modification, and I received all the...
  11. erzulie

    Trial Period - What to do with HELOC

    Hello, everyone! Just to update - I (finally) got my approval for HAMP trial, made first payment May 1. Two more scheduled for June and July 1. All in order it seems. I went about 2 months past due on my first mortgage; now the modification is in the trial period. I also have HELOC, which...
  12. erzulie

    The Latest and Greatest - One Yard Line?

    I faxed one more pay stub to the gentleman at the Home Preservation Center (the local office, where I went and met with them in person over a month ago now) on Friday. I was told that I should have some "news" by tomorrow - "news", meaning what I qualify for, and what will happen next. I have...
  13. erzulie

    Process for seeking a settlement on a HELOC - ?

    Does anyone know who the correct people are to call to start this process? Or to at least inquire?
  14. erzulie

    To GSE, or not to GSE - that is the question. Detailed email from Executive Resolutions - is this a

    Okay, folks - I had emailed Chase again the other day, the Executive Resolutions Group. Here is what they sent me: Okay, folks. I am sitting here in tears. Do I just throw in the towel? Is what she is telling me, true? I thought that I COULD get a HAMP Mod on a non-GSE Loan -...
  15. erzulie

    My husband and I both on the HELOC - can ONE of us file BK to remove it?

    Just something I am curious about. I am the only one on the first mortgage on our property. Our HELOC, however - which was part of the purchase, never used for anything else - is in BOTH of our names. If I can't get anywhere on the mod on the first - and decide the best move is to file BK...
  16. erzulie

    "You Were Denied Because Your Housing Ratio is Less Than 31%" - are you friggin' KIDDING me? Get th

    ....okay, so, my latest financial info, I run the calculations, and my housing ratio is about 44%. Housing Ratio is computed as gross income, divided by total mortgage obligation. When I say "total mortgage obligation", that means a combination of principal and interest, plus taxes...
  17. erzulie

    Foreclosure, Bankruptcy ... never thought I'd be using these terms

    Met with the Chase rep in person on 2/10/10. Was told their tools to qualify me weren't available until the following week due to new guidelines coming from The Treasury. Followed up yesterday, today ... was told that I can "call back in 14 days and get a status". Originally I was told they...
  18. erzulie

    Has anyone actually been foreclosed on by Chase?

    And if so - how far behind were you when it occurred? I am contemplating just ceasing paying my mortgage(s) altogether. Just bankrolling the money. Partly hoping that it will get Chase's attention, and maybe they will help me. Partly gambling with the odds, assuming they would be foolish to...
  19. erzulie

    In Person Meeting at Chase Homeowner Center

    If nothing else - it at least FELT good to sit in front of someone and talk to a human being in person, versus a person over the phone that I would in all likelihood never be able to track down again. The process of the meeting was a wee bit of dicketry; it wasn't like I walked into a quiet...
  20. erzulie

    Help "Deed of Trust" - how do I read this thing, to determine who owns my loan?

    Mercury! Need your help here. I am such a nimrod at these things. Okay, "Deed of Trust". Says ""Borrower" is me "Lender" is "JP MORGAN CHASE BANK NA" further says "Lender is a Bank, organized and existing under the laws of the USA" Lender's address is 1111 Polaris Parkway, Columbus...