Archived
Hi~I've had it w/ my mortgage company! Citimortgage. I've been trying for close to 2 yrs to modify our mortgage~I've been lied
Bernard's answer
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Answered on March 29, 2011
I wouldn't walk from the house until the questions were asked and answered concerning the validity of the mortgage and note. If yours is one of the...
Archived
I've been working a modification with Chase since 1/07......they just approved me, but for the same mo. payment!!!
Bernard's answer
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Answered on March 29, 2011
If you're serious about fighting the Chase modification, get an audit of your loan from a reputable lawyer or other firm performing those services....
Archived
What happens to unpaid HOA fees when a investment condo goes into foreclosure? Can the HOA board still go after the unpaid fees?
Bernard's answer
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Answered on March 29, 2011
In some states there is a number of months that by statute - the HOA fees arrearage is borne by the ultimate buyer of the foreclosed unit. That...
Archived
Trying to avoid foreclouser and loose the house
Bernard's answer
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Answered on March 29, 2011
I agree with the other advice - get a lawyer. The 'banks' often offer trial plans or forbearance agreements that are highly unlikely to be...
Archived
Mortgage is both name(me and my wife) but deed and note is my name only so is my wife no responsible for debt?
Bernard's answer
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Answered on March 28, 2011
In general, a party not a signatory to a Note cannot be held liable for same. That being said, you may have questions of communal property and...
Archived
Online auction
Bernard's answer
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Answered on March 28, 2011
You should contact the Clerk's Office and the terms of the auction would be available there if not on the website.
Archived
I have a home i purchased prior to my current marriage that is being used for a rental and may need to go to short sale.
Bernard's answer
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Answered on March 28, 2011
It's not an insolvency test - it's about the Mortgage Forgiveness Debt Relief Act of 2007 and how it applies. Generally, if your husband is not on...
Archived
I am not living in the home,is it legal for the mortgage company to change the locks on the home without notifying me.
Bernard's answer
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Answered on March 28, 2011
You should also make a filing with the court to declare your current address in order to preclude the lender from continuing to exclude you from...
Archived
Foreclosure/Marital Settlement Agreement/Bankruptcy Nightmare. Please help. I am destitute and cannot afford an attorney!
Bernard's answer
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Answered on March 28, 2011
If there is any equity in the house, you should consult with an attorney to look at options to secure your debt through the property.
Archived
Our primary home in Fl has Chinese drywall, we are buying a second home as an investment per the lender if and when we default
Bernard's answer
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Answered on March 26, 2011
The transaction you are trying to complete has some very technical legal issues - time periods necessary to establish residency - title and...
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