Wont stop calling......after I have asked them not to

Under FDCPA (Fair Debt Collection Practices Act) a person who collects for another is a Debt Collector - PERIOD! If you have asked them to stop...

My home has gone through foreclosure and a vacate date agreed upon.

I am sorry to say but "yes" the holder of the 2nd lien can take action to collect against you. They may do it in the form of a...

My house was supposedly sold at a sheriff sale on Nov. 3rd. I have not received any notification from the lender (BOA).

Yes, it is normal not to receive any notice other that that required by Michigan law. Most likely the sheriff sale was handled by Trott & Trott,...

Our mortgage is 'underwater'. We have a 1st & 2nd mortgage and wish to explore extinguishing the 2nd mortgage. Can we do this?

There are several options available to you. One, and probably the most friendly to your credit rating is to seek another mortgage mod backed up...

We may need to do a Chpt 13 lien stripping of our 2nd mortgage. How does this work?

A 2nd Home Equity Line of Credit (HELOC) or 2nd Mortgage can be "crammed down" if the value on you house does not exceed the amount of money you...

Generally, a signature of the person being served is not required. If the service was done by a process server, all the server has to do is...

Can my federal retirement pension be garnisheed if I foreclose on my manufactured home??

Pensions cannot be garnished except for child support. In a foreclosure the mortgage lender usually auctions the property at a foreclosure sale,...

Bank recourse on foreclosure in michigan

Well, it's easy to search Michigan law and paste it here or there. The bottom line is - you need an attorney because you are on the road to a very...

You have 21 days to appeal the order. After the appeal time runs the creditor can presnet the judgment to your banks and they are obligated to...

I have filed for Chapter 7, I have the "automatic Stay" in place. Can my landlord evict me?

If your landlord has not filed for a "Lift of Stay" the landlord is in violation of the Federal Bankruptcy Law. Your landlord cannot evict you...