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patb.
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June 6, 2008 at 9:47 AM #218419July 21, 2011 at 5:51 AM #711445
Anonymous
GuestMany posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.
July 21, 2011 at 5:51 AM #711540GuestMany posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.
July 21, 2011 at 5:51 AM #712138GuestMany posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.
July 21, 2011 at 5:51 AM #712290GuestMany posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.
July 21, 2011 at 5:51 AM #712651GuestMany posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.
July 21, 2011 at 6:31 AM #711450
CoronitaParticipant[quote=Crown56]Many posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.[/quote]
oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?
July 21, 2011 at 6:31 AM #711545CoronitaParticipant[quote=Crown56]Many posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.[/quote]
oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?
July 21, 2011 at 6:31 AM #712143CoronitaParticipant[quote=Crown56]Many posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.[/quote]
oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?
July 21, 2011 at 6:31 AM #712295CoronitaParticipant[quote=Crown56]Many posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.[/quote]
oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?
July 21, 2011 at 6:31 AM #712656CoronitaParticipant[quote=Crown56]Many posts seem to display a complete lack of understanding of the fraud being perpetrated on homeowners. In 2009 we were advised by legal counsel to seek a loan modification due to sinking property values. We had an ARM and became underwater on the house. Soon after my garage burned down…I’m just now tearing up a $20000 check written to me and BOA. We were referred to a home modification specialist by our attorney who promptly took over all communications with BOA, filed cease and desist papers and began collecting ‘good will’ payments monthly. Three years later BOA never saw one of those payments, there is an ongoing criminal investigation and I am being foreclosed upon…oh well, I make a good living, can afford the house, love the house and was so convinced by this attorney certified mortgage whore that we actually took $25000 from the insurance to cover contents losses from the fire and put on an addition to the house, new cabinets, granite, paint etc…I thought this would increase my equity in the home.
BOA would rather foreclose then allow me to get current and pay my mortgage. I am not a scumbag but I can tell you I will be damned if I leave a $13000 thamasville cabinet set as a house warming for next home ‘owner’. Oh by the way, the cabinets and granite will look lovely in the home I just put $25000 down (that BOA wouldn’t take for an offer to stop foreclosure). I bought it on land contract.[/quote]
oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?
July 21, 2011 at 7:37 AM #711479bearishgurl
Participant[quote=flu]oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?[/quote]
Take heed, flu. All is not as rosy as it sounds with Crown56. Read between the lines. His/her credit is obviously shot. He/she is purchasing their next home on a “land contract,” lol. This likely is with an all-inclusive trust deed with an underwater “seller” who just needs Crown’s $25K to “catch up” on house payments (IF they choose to, lol). Crown will pay the seller every month in hopes that the seller will use the money (along with part of his/her downpayment) to make their payments, taxes and other recurring expenses.
Crown56 will be on title as an “owner” but will not be liable for the underlying note(s) on the property. Unless a proper “change of ownership” is filed with the tax assessor, Crown will not receive any tax bills. If he does, the seller will have no guarantee that Crown will pay them and the seller’s lender can hold the seller liable.
Only a desperate seller (or seller who could get a higher “sales price” from a sucker such as Crown) would enter into such a deal.
I am unclear if such a trust deed can be foreclosed upon. In this case, the “seller” may very well have to take a deed-in-lieu or quitclaim deed from Crown if he/she can no longer make the payments.
It’s a lose/lose situation. Karma can be a bitch.
July 21, 2011 at 7:37 AM #711575Participant[quote=flu]oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?[/quote]
Take heed, flu. All is not as rosy as it sounds with Crown56. Read between the lines. His/her credit is obviously shot. He/she is purchasing their next home on a “land contract,” lol. This likely is with an all-inclusive trust deed with an underwater “seller” who just needs Crown’s $25K to “catch up” on house payments (IF they choose to, lol). Crown will pay the seller every month in hopes that the seller will use the money (along with part of his/her downpayment) to make their payments, taxes and other recurring expenses.
Crown56 will be on title as an “owner” but will not be liable for the underlying note(s) on the property. Unless a proper “change of ownership” is filed with the tax assessor, Crown will not receive any tax bills. If he does, the seller will have no guarantee that Crown will pay them and the seller’s lender can hold the seller liable.
Only a desperate seller (or seller who could get a higher “sales price” from a sucker such as Crown) would enter into such a deal.
I am unclear if such a trust deed can be foreclosed upon. In this case, the “seller” may very well have to take a deed-in-lieu or quitclaim deed from Crown if he/she can no longer make the payments.
It’s a lose/lose situation. Karma can be a bitch.
July 21, 2011 at 7:37 AM #712174Participant[quote=flu]oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?[/quote]
Take heed, flu. All is not as rosy as it sounds with Crown56. Read between the lines. His/her credit is obviously shot. He/she is purchasing their next home on a “land contract,” lol. This likely is with an all-inclusive trust deed with an underwater “seller” who just needs Crown’s $25K to “catch up” on house payments (IF they choose to, lol). Crown will pay the seller every month in hopes that the seller will use the money (along with part of his/her downpayment) to make their payments, taxes and other recurring expenses.
Crown56 will be on title as an “owner” but will not be liable for the underlying note(s) on the property. Unless a proper “change of ownership” is filed with the tax assessor, Crown will not receive any tax bills. If he does, the seller will have no guarantee that Crown will pay them and the seller’s lender can hold the seller liable.
Only a desperate seller (or seller who could get a higher “sales price” from a sucker such as Crown) would enter into such a deal.
I am unclear if such a trust deed can be foreclosed upon. In this case, the “seller” may very well have to take a deed-in-lieu or quitclaim deed from Crown if he/she can no longer make the payments.
It’s a lose/lose situation. Karma can be a bitch.
July 21, 2011 at 7:37 AM #712325Participant[quote=flu]oh my fvcking @#$@#$@#$@#$…I can’t believe self-entitled people still exist in 2011…….
What happened to all the humbling that should have happened with an economic collapse…Oh, that’s right…Our government has given people to feel like everyone is a “victim”…WTF??????????
This country is so screwed….Unbelievable selfish, self-entitled people who think everyone else owes them something…
anyone still wonder why this country is going to hell?[/quote]
Take heed, flu. All is not as rosy as it sounds with Crown56. Read between the lines. His/her credit is obviously shot. He/she is purchasing their next home on a “land contract,” lol. This likely is with an all-inclusive trust deed with an underwater “seller” who just needs Crown’s $25K to “catch up” on house payments (IF they choose to, lol). Crown will pay the seller every month in hopes that the seller will use the money (along with part of his/her downpayment) to make their payments, taxes and other recurring expenses.
Crown56 will be on title as an “owner” but will not be liable for the underlying note(s) on the property. Unless a proper “change of ownership” is filed with the tax assessor, Crown will not receive any tax bills. If he does, the seller will have no guarantee that Crown will pay them and the seller’s lender can hold the seller liable.
Only a desperate seller (or seller who could get a higher “sales price” from a sucker such as Crown) would enter into such a deal.
I am unclear if such a trust deed can be foreclosed upon. In this case, the “seller” may very well have to take a deed-in-lieu or quitclaim deed from Crown if he/she can no longer make the payments.
It’s a lose/lose situation. Karma can be a bitch.
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