Inside the regard to the declaration ” She said the person handling the loan cannot need phone calls & I want to hold back until they contact myself

Trust in me I am aware this will be foolish on my region, but moments was tough economically & when you reach a spot where you can scarcely afford the uncovered fundamentals exactly what else could you be to do? I’m sure I am no professional & this is strictly an unaware end – however, We decided the latest even worse that could happen ‘s the second at some point sets a lien into home & while i sell it obtain 25K.

Not that the one that you have got provided on case of bankruptcy. s is good? Can be your ex-husband and towards the financial?

By-the-way if this sounds like a different financing then 2nd loan (that you haven’t reaffirmed) shouldn’t create disease

financing came from 1990 with parkway economic. it quicken loan Johnson Village marketed it to washinton mutual in 1996 or more. washington mutual marketed so you’re able to wells fargo within the december of last year. 2nd financing is family guarantee mortgage with this house.

ex is found on one another loans & recorded bankruptcy with me, but the guy never ever arrived in court to possess last hearings on often case, so that the bankruptcy proceeding had in my name merely & divorce case went through as a standard. he or she is an alcohol whom fell aside & cannot price the fresh splitting up or the case of bankruptcy.

whenever i telephone call wells fargo i have to pay attention to the new bankruptcy disclaimer. i assume it’s because the brand new chapter 7 is on my credit statement until 2009, however it is likely that which loan is never ever reaffirmed. i frankly can’t consider. hitting thus lots of economic setbacks typically i have already been using one installment bundle just after an alternate. they just leftover starting you to repayment package once a different. in addition to, washington shared modified that it financing within the 2003 once i shed my occupations & try out of work for nine months. my ex lover closed the individuals documentation & it had and no inquiries expected.

i called which a beneficial.m. & wells fargo said new modification are accepted, but there’s problems – she didn’t come with suggestion what the condition they. she said anyone dealing with loan cannot capture phone calls & i want to hold back until they contact myself. she stated a few lesser situations that cause delays, eg taxation went up therefore, the escrow percentage must alter.

i don’t understand this process or terminoligy. she told you it actually was recognized, however, appear to it is far from officially recognized up to now. seem like i can nevertheless be denied. have always been we completely wrong? when it is approved perform they simply work out the latest snags you to appear they means on the reveiw processes?

i am very worried now on losing my personal domestic. i have 4 high school students & life listed here is much much cheaper than simply delivering a flat such weeks. as well as i have 50-80k equity which i would dislike so you’re able to shed.

Dont care a great deal. In case your Wells Fargo said that modification is accepted, then you definitely is to waiting to discover what are the results. Now is your house fees try paid off and you can cleared. I do believe it the trouble that they are it comes. Otherwise after that spend it Today. Tax lien in case the first lien and really should be provided with greatest priority.

You might Ask To speak On the Supervisor. It is common you to specific negotiators dont just take arriving calls away from you. However, you now have to be requesting an excellent supervisor. New manager/movie director may new solutions and you can facts for your requirements, in the event they have to find them throughout the underwriting company.