Mortgage Loan Modification with Reduced Principal: What will bank look for to qualify? Is a trial period mandatory?

You need to keep on top of the situation and see what is presented to you. Until then, there is no way for anyone to advise you. If you want to...

Is there a statue of limitiation on a Home Equity Loan on a forclosed property 3 yrs ago and still shows on my credit reports?

I agree with my colleague's answer. With respect to the statute of limitations issue, which is separate from the credit report one, please see my...

Can a signed and notarized debt, stating that this debt can not be discharged in any BK proceedings stand up ?

Your remedy is to retain counsel to draft such an agreement for you. Otherwise, there is a strong likelihood it will not "hold up." In addition,...

Mine and my fiances car were both totaled parked in front of my house. The driver wasn't on the insurance and there is a cap of

The situation is unfortunate and illustrates the problem when you are under insured. Run an asset check on the driver of the vehicle. The owner's...

Short sale, after all bank approve, one changes their mind. Is that legal

Probably. What do the escrow instructions say?

What is the legal process for HOA to put line on a unit?

The HOA should consult an attorney. The board and/or officers have that fiduciary obligation. Posting here on Avvo for instructions is not the way...

Can i back out of a car loan that i have already signed, if they now have to have me re-sign it due to a different % rate?

Your question does not make sense. If all the changes to the contract are in your favor (which it appears from your question) why not agree to...

Forecloser

If you can prove you had an agreement with your lender and you were not in breach, the facts you state may very well give you a cause of action for...

I agree with my colleagues that CA law governs -- unless you have a written agreement between you which calls for a different result.

I don't have the money to pay a $5300 small claims judgement. Is appealing worth a shot?

You can request that you be able to make payments on the judgment. The form "Request to Make Payments" [SC-220] can be found here:...