I have a bancruptcy that was cleared but not closed due to a pending personal injury suit where the trustee may collect for the people i owed. Wells fargo said they need it closed. I cleared and qualified and went 6 months through all obstacles to get this Hamp program... can they turn me down even though i have a letter from my bancruptcy attorney explaining i have no liability ....I have been told from Home Preservation Specialist who works for Wells Fargo that they are going to turn my down because I dont have a CLosed Bancrupcy and I have 10 days from when they sent the letter to have it closed or else my hamp loan modification is null... This is the 2nd loan modification i tried with Wells Fargo in 2 years.. 1st the Tarp mod and then the now Hamp modification which i qualified for the trail period and paid all three months on...
The HAMP guidelines specifically state that you cannot be denied a modification because you are in bankruptcy or previously filed bankruptcy. Accordingly, you need to have your attorney tell the creditor that this denial is not in good faith.
Your attorney should look into this for you. I am also in Staten Island should you have any further questions.
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I have responded to your many posts. You need a lawyer who knows about this stuff. You and Wells are not talking the same language.
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