Search results

  1. R

    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...
  2. R

    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...
  3. R

    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...
  4. R

    Hamp And Forclosure Question? Stressed!

    Ok so I sent in my paperwork in Dec, kept getting asked for more items and finally thought everything was in like 3 weeks ago according to my rep. I just got in the mail a notice that foreclosure has been initiated and all prior offers to make current are void. I was under the impression that...
  5. R

    Hamp, Include Heloc Or No?

    So I want to get in my HAMP paperwork but taking my time to make sure its all right. I have one question, it asks about a 2nd mortgage and I am not sure if I should say yes or no? My issue is that in 2010 I filed Chap 7 and my HELOC was discharged. I still made a few payments and then came...
  6. R

    Hamp Questions Pre Filing

    Ok I would love some advice. We had some hard times and in 2010 had to do Chap 7. We kept the house and since things have been ok. Last year my wife's business took a dive and we were lucky to unload it but between her trying to start earning income this year and my work slowing so no OT we...