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5 years ago my husband and I were trying to get a house but because of some finacial issues we couldn’t get a mortgage. My father put the mortgage in his name and we pay the bill every month. Mine and my husbands names are on the deed along with my fathers. If something were to happen to my...

If I filed paperwork at the courthouse for a bankruptcy , but ended up not going through with it, how can I get it off my credit report?

I have 2 credit cards that have been closed on me because of filing for a bankruptcy ( but we ended up not going through with the bankruptcy) one we stopped paying on and the other we are still paying. My question is this: if the card has already been charged off, will my credit take a hit even...

I’m looking for advice on fixing credit after a foreclosure...

How long does it take in New York, for a foreclosure to happen from the time a judgement of foreclosure is signed in court? I received a letter today from a random lawyer saying that it was recently signed in court? I'm not even sure if it actually happened or not...

Writing for a friend... She lives in upstate, NY. She made her last payment 2 yrs ago and received a letter today saying the sale of her house will be 7/6. She really wants to try and save the house, any suggestions ?? I suggested trying to do a modification, but since the mortgage is only in...

I have a home equity line of credit loan with chase and we stopped paying it almost 2 years ago. Our house is underwater and with the help of a lawyer we are doing a "strategic foreclosure ". The house is in New York and is underwater. We also haven't been paying the mortgage. For the first 6...

Can mine or my husbands pay checks be garnished for a delinquent home equity loan?

Need some advice on HELOC... Our first mortgage is underwater big time, so we went to a lawyer for advice. He said it wasn't a smart business move to stay in the house. So we've decided we are going to eventually walk away . The first is with Seterus which is a collector for Bank of America. And...

does anyone have good contact numbers for FIA, American Express or Home Depot? what about time frames on what card companies have settled for on how many days late?

I am new to all of this, and i could really use some advice... i called a debt settlement company that told me my debt would be paid off in 58 months and they charge a $50 fee (included in the monthly payment) which would end up being $2900. then i came across this site and decided to try and do...

Just to start, this forum is great! It's nice to see that we are not alone going thru this mortgage mess. I've been going thru the postings and mine is similar to some in some ways, but I have not seen anyone from New York....We bought our house in 2006 with a 2/28 loan. We refiananced as soon...