Skip to main content
Tiffany Nicole Romine
Avvo
Pro

Tiffany Romine’s Answers

268 total


  • Can a realtor charge for a loan modification fee at the point where the mod application just entered review phase?

    Nationstar indicated their underwriter just started review of the loan modification application for CA home and my third party company, manged by a realtor that I hired, requested I pay half of the total $4500 now since it was in "conditional appr...

    Tiffany’s Answer

    In CA, you cannot be charged upfront fees for a loan modification. No fees can be collected until the loan modification application is complete. Depending on what the agreement was with the realtor, if they have submitted your complete application and it is now in review you may be responsible for the fee.

    See question 
  • We had a foreclosures in California proceed as non-judicial foreclosures (trustee sales), 2012 and the second trustee

    provident bank was the originator of the loan 1st and 2nd. They sold the first and were the servicer. They than foreclosed on the house. The problem i'm having is they still report and send us letters on the 2ND. I need a letter to send then to

    Tiffany’s Answer

    I too am unsure of what your question is. If the amount the property was sold for was not enough to cover both the 1st and the 2nd, that may be why you're still receiving letters. You should contact an attorney to review the documents.

    See question 
  • My deceased wife had debt before we were married, am I responsible for it now?

    a collection company is writing her now over a year after her death and they have our married name and address. will they come after me eventually.

    Tiffany’s Answer

    You are not liable for your deceased wife's debt incurred prior to the marriage. I agree that you should check to be sure you are not listed as an account holder on the debt.

    See question 
  • What do I do if my ex boyfriend stole everything from my home?

    I left him 6 months ago, and he squatted in my house until the sheriff manually evicted him. When I went inside, everything I own or ever owned was gone. I have reciept to prove I financed all the furniture and appliances that he stole. I called ...

    Tiffany’s Answer

    Generally, law enforcement does not like to get involved in these types of situations where there are issues between tenants, even if he was no longer legally allowed to reside there. Until there was a lawful eviction, the police tend not to treat it as a criminal matter. Nonetheless, you can file a civil suit against him to seek damages for the value of the property he took.

    See question 
  • Will I have to pay child support?

    There has been a court order for my sons father to pay me $50 a week since my son was 2. It has never been paid and I have never reported it. My son has lived with his father since he was 11 and he is 15 now. The father is now asking for child sup...

    Tiffany’s Answer

    If the father failed to pay child support as specified in the court order, then he is still responsible for paying the amount owed. You can file a contempt action to seek a judgment ordering him to pay the amount that is in arrears.

    See question 
  • My wife's name is not on my default judgment, or in any of my court paperwork. Can the creditor levy her bank account too?

    A default judgment was taken against me without me knowing I had been sued, and a collection agency is now trying to levy my bank account and garnish my wages. My wife was not sued with me and she isn't on any of the Court paperwork. Can they t...

    Tiffany’s Answer

    If the judgment was only against you, the creditor can not collect from your wife. However, if you and your wife have joint accounts they can attempt to access monies in that joint account. They can not garnish her wages.

    See question 
  • How do i know who to pay for my credit card balance that has been sent to collections?

    I have a credit card with a balance, not even sure how much i owe now. It was sent to collections. I get phone calls and mailers from lots of different companies. How do i know which company is the legit company to pay? What's the best way to pay...

    Tiffany’s Answer

    You should contact the agency who sent you the most recent notice and confirm they still own the debt before paying. Because it has already been sent to collections it has negatively impacted your credit score. However, paying it off will of course stop the annoying phone calls and at least show that the debt has been paid on your credit report. The most effective way to repair your credit is to pay off any unpaid debts and continue making on-time payments with any creditors you still have.

    See question 
  • Does modification review board preferred lawfirm reliable and guarantee when it come to loan modification?

    loan modification

    Tiffany’s Answer

    No one, whether an attorney or any other company, can guarantee a loan modification because it is entirely up to the bank. There may be some advantage with a firm that has been successful in helping homeowners obtain a modification. But I agree with my colleagues that if the firm is guaranteeing a modification you should be very skeptical.

    See question 
  • My house is in foreclosure, and it changed servicer. The last servicer filed an NOD and is in foreclosure status.

    Does the new servicer have to file a new NOD, or does the previous NOD still stand?

    Tiffany’s Answer

    I agree, the Notice of Default is still valid.

    See question 
  • My sons father took me to court saying he wanted to see our son. After a ugly 2 yr court battle, he dropped the case.

    He called my lawyer saying that if I agree to no support that he will sign over rights n agree to never c his son again. My question is, can I take him to small claims to try and recover some of my legal fees? He initiated the case and then droppe...

    Tiffany’s Answer

    You should consult with the attorney that represented you to see what your options are in seeking reimbursement of costs from the father to defend against the case.

    See question