Posts Tagged ‘mortgage’

Bank of America now holds the mortgage but they are the 3rd one to own it and will most likely keep it for the rest of the 30 year note. However, will I get 1099 forms from the other 2 lenders or is it all transferred to Bank of America?

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Hi. My husband and I have decided that our only option at this point is to file chapter seven and walk away from our home. We’ve sought out many attorneys and have been blown away by how much they’ve asked us to pay. I can’t tell you the number of times I’ve wanted to scream, "IF WE CAN’T PAY OUR MORTGAGE AND BILLS, HOW IN THE CRAP DO YOU EXPECT US TO PAY THAT? I THOUGHT YOU WANTED TO HELP!!!!" Recently I’ve come across "Do It Yourself" Bankruptcy Kits. They seem to be pretty popular, however I was wondering if there’s anyone out there who’s had success with one. I am of average intelligence and consider myself smart. But are these things difficult to understand? And I’ve heard if you don’t get everything just right, that you could really mess yourself up in the future. I would greatly appreciate any advice. Thanks so much for reading and responding!

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I am a divorced mom with two children. I do work and I receive child support (not regularly) but there is not enough money to make ends meet. I have a mortgage and own my car. After my divorce I tried to continue to pay on the cards but I was not able to continue to keep paying on them. It has now been four months of non-payments and I do continue to receive the HARASING phone calls. What eventually will happen? Does anyone know what the law is in Florida regarding credit card debt? Thanks to anyone that can help!

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I need a very fast 00 and I don’t know the best solution.

I live in Los Angeles and work a full time job and have another part time job on the side. However, even with that, money is still very tight. Under normal circumstances, I am able to make ends meet every month, but I rarely have much of anything left over.
However, the last few months have been filled with a string of family financial problems.
My parents are close to foreclosing on their house and the my dad was laid off. Consequently, I have had to help my parents pay their mortgage and bills. It is deeply saddening to see them in that state and has been horribly embarrassing for my parents to have to ask me for money.

All in all, I make about 2100/month, including tips. I pay about 950 in rent and utilities and 75 for students loans. Then there’s insurance, food, and some expensive prescriptions thrown in.

However, because I have had to give my parents a substantial chunk of money each of the last few months (and pay my brothers rent when he couldn’t, last month), i have been left with just barely enough for rent this month.

I don’t have any credit cards or a car. After college I had a hard time paying students loans and they went into default. However, they gave me a one time opportunity to pay my way out of default and clear my record. I did that and am back in good standing. However, this is still on my credit history (something that I have filed a claim about).

Due to my own stupidity, I am facing a very big need for 00 ASAP. This morning when I went to the DMV to apply for my CA license (from Nevada), I found out that I have an outstanding ticket from more than a year ago. I want to kick myself.

Basically, I need to have a license that is valid (and warrant free) because my full time job requires me to run errands on a daily basis…and because I would like to avoid jail time! I called the courthouse and if I pay the ticket amounting to around 00. it will be done with and I can get my California license and be legal and move on.

However, I just don’t have it. I don’t have anything even close to it. Nor do my friends or family members. If I owned anything that was of any value, I would sell it.

I can’t come up with a fast solution. I have read lot’s of horror stories about payday loans and 90 day installment loans and the last thing that I want to do is get back in over my head and spiral back in default. It was a terrible feeling.

Is there any other reasonable solution? And if taking a payday loan is the only answer, how do I avoid shady practices?

Lastly, in order to compare payday loan’s, it appears that I have to fill out the forms with my info on their websites. Is this something that the credit bureau’s see? I don’t want to negatively impact my credit score by simply "applying" online to see quotes.

Thank you for taking the time to read this long post!

Best,

K

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but deceased paid mortgage in full before death, leaving verbal instructions to administrator to collect before giving rights.
I should have said life estate,not living will,sorry.

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