Home equity is $30000, son is co-signer. Can B.O.A. reduce payment in half? bankruptcy an option? Is there any forgiveness plan

You need to consult an attorney experienced in these areas. The facts you describe suggest that your son "refinanced" the property but didn't...

I claimed bankruptcy and had it discharged in 2010. My house was included and all reports show a $0 balance. After a few years..

The creditor cannot collect money from you. Bear in mind, an application for loss mitigation (i.e. short sale), requires that you sign under...

Independent Foreclosure Review

It is likely a payment under the Independent Foreclosure Review Settlement: See here for information....

Loan Modification

If you are current in your post-modification payments, its not likely that a further modification would be available. That does not mean you...

What are the first steps for filing bankruptcy..other than finding a lawyer?

The first answer is yes, consult an experienced attorney. From there, the attorney will guide you through the legal process. In the meantime,...

What financial liabilities to home owner arise from foreclosure?

You seem to be discussing 2 separate properties - your current home and your aunt's property. To the extent that you remain liable personally on...

Missing Defendants - Foreclosure

The Plaintiff is required to notify all parties who may have a legal interest in the property. It is not uncommon to see Plaintiffs file original...

In new jersey who is the creditor in a foreclosure action?

The Plaintiff in the foreclosure is the party who holds the legal rights under the Note, which include the right to accelerate the note and...

Consult with an attorney to better understand and review your rights. When you say that you were named as a defendant, it would typically mean...

Not contesting a foreclosure. Do we need a lawyer to review legal documents?

Consulting an attorney is always recommended whether your intention is to keep the property or not. Ultimately, you are considering what options...