Archived
How do you find out where you are in the foreclosure process in a non-judicial state (NC) when bank won't say?
Evan's answer
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Answered on November 23, 2012
You're going to have to either work the issues with the bank under a forebearance agreement and ultimately a modification or you're going to have...
Archived
What if a bank creates default on your loan by offering special forbearance at 1/2 payment for 6 months?
Evan's answer
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Answered on November 23, 2012
You're in the same unfortuante position many others are. In order for the bank to consider a modification they require that you're late but once...
Archived
I was mailed a notice of both a lawsuit with a trial date of 2/2014 and motion for summary judgment dated December 7, 2012.
Evan's answer
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Answered on November 23, 2012
First step in any lawsuit is for the plaintiff to file a complaint. It's not clear from what you've said above that a complaint has actually been...
Archived
Just learned that BOA has dual tracked our request for a loan modification with foreclosure proceedings? Is this legal in NC?
Evan's answer
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Answered on November 23, 2012
Unfortunately, the bank is not required to modify your mortgage so they can pursue both the mod and the foreclosure at the same time. And your...
Archived
I filed chap 7 BK against 1st and 2nd non-purchase mortgages which was discharged 08/2011. BofA has not foreclosed to date.
Evan's answer
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Answered on November 23, 2012
No. Your obligation for the debt ended when when the discharged was entered. Any additional charges are their responsibility, not yours.
Hope...
Archived
Is a mortgage company legally required to file a foreclosure suit through the court in order to procede with foreclosure action?
Evan's answer
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Answered on November 23, 2012
Ask your mortgage company for the name and contact information for the attorney handling the foreclosure. Then contact him or her and ask for...
Archived
My house sold, i live in it. Is a forensic audit the only chance I have to stay in it?
Evan's answer
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Answered on November 23, 2012
This will be a challenging case to say the least. If you can find evidence that the bank did not have the right to foreclose then you may be able...
Archived
I live in Iowa and am getting married I have some outstanding debts some which I am paying is my husband responsible for paying
Evan's answer
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Answered on November 23, 2012
Possibly. Creditors can reach any account you have an ownership right to. If you're listed on your soon-to-be husbands accounts then they may be...
Archived
Can I get a bank to stop reporting late payments on my credit report.
Evan's answer
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Answered on November 23, 2012
If the house has been sold then the bank should no longer be reporting on your credit. However, the fact that the divorce decree allocated the...
Archived
My spouse opened credit cards in my name for years, I just found out about it Jan this year.
I am a 6y Navy Vet. What can I do
Evan's answer
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Answered on November 23, 2012
You've clearly got a mess on your hands and some very important personal decisions to make. The most important one is the relationship you want to...
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