Comments on: Stop Foreclosure Search Trends in Google Skyrocketing http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/ Loan Modification & Home Loan News Sat, 20 Mar 2010 15:31:56 -0700 http://wordpress.org/?v=2.9.2 hourly 1 By: GATORBAIT http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-86 GATORBAIT Tue, 17 Jun 2008 23:50:07 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-86 Troy, The best outcomes from what i have read and seen is when you email the list that is on this site. Keep pushing for help and let them know you want to keep the home. Also try to involve your local legislature person and media if possible. Do not threaten just let CW know your goal is to work this out. It is a painfull and slow process and until there is some package passed in congress that will give the lenders an incentive to peform modifications in a timely manner it will continue to be this way...just be persistent. Best Of luck... Troy,

The best outcomes from what i have read and seen is when you email the list that is on this site. Keep pushing for help and let them know you want to keep the home. Also try to involve your local legislature person and media if possible.

Do not threaten just let CW know your goal is to work this out.

It is a painfull and slow process and until there is some package passed in congress that will give the lenders an incentive to peform modifications in a timely manner it will continue to be this way…just be persistent.

Best Of luck…

]]> By: Troy http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-73 Troy Tue, 17 Jun 2008 19:41:54 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-73 Hello, I have been reading a great deal of people having problems with Countrywide. I have read many complaints about Countrywide, but no resolutions. I have fallen victim to the "cant do anything until your 3 months late" along with the "Countrywide doesn't defer payments" speeches. I have unfortunately lost the home due to this lack of help and procrastination of filing paperwork on their part, after cashing out an IRA to catch up and being told that was not good enough. I just want to know how legal this is and is ther anything that one can do at the point I am in? If I were to do something like this, a law suit would be slapped on me faster than I can blink. Best of luck to all, Hello,

I have been reading a great deal of people having problems with Countrywide. I have read many complaints about Countrywide, but no resolutions. I have fallen victim to the “cant do anything until your 3 months late” along with the “Countrywide doesn’t defer payments” speeches. I have unfortunately lost the home due to this lack of help and procrastination of filing paperwork on their part, after cashing out an IRA to catch up and being told that was not good enough. I just want to know how legal this is and is ther anything that one can do at the point I am in? If I were to do something like this, a law suit would be slapped on me faster than I can blink.
Best of luck to all,

]]> By: Moe Bedard http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-79 Moe Bedard Fri, 30 May 2008 14:52:45 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-79 I think you have been taken for $2500 Mercedes. Meaning you have been scammed. Please investigate further. I think you have been taken for $2500 Mercedes. Meaning you have been scammed. Please investigate further.

]]> By: mercedes http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-80 mercedes Fri, 30 May 2008 04:13:43 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-80 I got this company name THE FIRM to help me make modifications on my mortgage I paid $2500 to them. they started the process back in april 1, 2008 up to this point the one thing that they have told me is that countrywide has ask them to re submit the modification by aug, because my mortgage is about to go up since is variable.My question is, is this real to re submit and fall more in arrears on my mortgage. thanks I got this company name THE FIRM to help me make modifications on my mortgage I paid $2500 to them. they started the process back in april 1, 2008 up to this point the one thing that they have told me is that countrywide has ask them to re submit the modification by aug, because my mortgage is about to go up since is variable.My question is, is this real to re submit and fall more in arrears on my mortgage.
thanks

]]> By: sebastian http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-82 sebastian Wed, 28 May 2008 16:36:37 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-82 was approve for loan modification n did all the paper work.i was told that they would add march ,april n may payment to the loan then my payment will start on july 1st dont have to worry bout june payment,then i called yesterday they said its updated was told everythings updated ready n payment is due june i ask them how is that possible when i was told its july n it even stated on the contract. question is this my mistake on my side or theres? was approve for loan modification n did all the paper work.i was told that they would add march ,april n may payment to the loan then my payment will start on july 1st dont have to worry bout june payment,then i called yesterday they said its updated was told everythings updated ready n payment is due june i ask them how is that possible when i was told its july n it even stated on the contract. question is this my mistake on my side or theres?

]]> By: Lisa http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-84 Lisa Tue, 20 May 2008 19:16:14 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-84 Hi! My husband has a loan with Countrywide and has perfect payment history with them throughout the entire loan. He was recenlty injured and unable to work. I am 7 months pregnant and about to take maternity leave. So my husband called countrywide to see if we could defer a couple payments until he is back at work. The lady at the workout dept. said no problem since he has such a good payment history, all he had to do was fax in our bank statement and the reason why we need deferment. They would take the next three months payments and place them onto the end of our loan.That was a month ago, we got a call today from a lady stating she was from collections (keep in made we are still right on time with our payments) saying that countrywide does not do deferred payments. And that the only hting we can do is not pay for three months then pay the full amount after the three months???? Seriously? I'm so mad, we have perfect credit and with the market in the condition it is you would think they would want to keep their good paying customers. Moe, what can we do? I'm looking into contacting the manager of the HOPE/Workout Dept. to find out why exactly their Service Reps are giving out false hope. Thanks a bunch! Hi!
My husband has a loan with Countrywide and has perfect payment history with them throughout the entire loan. He was recenlty injured and unable to work. I am 7 months pregnant and about to take maternity leave. So my husband called countrywide to see if we could defer a couple payments until he is back at work. The lady at the workout dept. said no problem since he has such a good payment history, all he had to do was fax in our bank statement and the reason why we need deferment. They would take the next three months payments and place them onto the end of our loan.That was a month ago, we got a call today from a lady stating she was from collections (keep in made we are still right on time with our payments) saying that countrywide does not do deferred payments. And that the only hting we can do is not pay for three months then pay the full amount after the three months???? Seriously? I’m so mad, we have perfect credit and with the market in the condition it is you would think they would want to keep their good paying customers. Moe, what can we do? I’m looking into contacting the manager of the HOPE/Workout Dept. to find out why exactly their Service Reps are giving out false hope. Thanks a bunch!

]]> By: Another Countrywide Victim http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-78 Another Countrywide Victim Tue, 20 May 2008 15:16:33 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-78 Hello all, It all started last year around February when I had two police officers come to my home to notify me that both of my parent have been killed in a car accident by a drunk driver operating a semi which jack knifed and killed them. I was devastated. It was very difficult to work. So I just didn't work for a couple of months while I get my parents affairs in order. I came back to work and it took me another month to get my business back on track to where I'm earning income again. So now I'm three months behind and I make a mortgage payment every month. However, each month I pay my mortgage payment the Representative fails to mention that hhe didn't include the late fees that have accumilated all these months. So I was just over four months behind on the payments at that point. They took my income and debt info and ask me to send in my paystub and a Hardship Letter. They forwarded my info to the Work-Out Dept. Anyhow, when it was all said and done, They approved a Loan Modification Agreement which was fine with me. I knew I was behind and I knew I would eventually pay the money back I was delinquent on later in life. So I was doing fine and I made four months of payments on time until I got laid off in December, a week before Christmas. It was bad enough I lost my job, but I wasn't about to let my three loving kids go without Christmas presents. That just wasn't an option in my book. So with the lay-off and my decision to give the kids a Christmas it caused us to get behind on the Mortgage again. I had been receiving an unemployment check from Jan. through Feb. I didn't receive enough to make the mortgage payment. I had to save what I got in Jan and Feb to make one payment. I just got a new job that pays only 78% what I used to earn. Well it is now May and I am three months behind once again. I spoke to a customer service rep and they took my financial info over the phone again like last time.However, I'm afraid they won't approve it this time because I just got one approved back in August of last year. Can anyone tell me if they had a similiar situation where they had to due the Hope Dept. twice? And if so, did Countrywide approve your loan modification the second time around? Thanks, Another Countrywide Victim Hello all,

It all started last year around February when I had two police officers come to my home to notify me that both of my parent have been killed in a car accident by a drunk driver operating a semi which jack knifed and killed them. I was devastated. It was very difficult to work. So I just didn’t work for a couple of months while I get my parents affairs in order. I came back to work and it took me another month to get my business back on track to where I’m earning income again. So now I’m three months behind and I make a mortgage payment every month. However, each month I pay my mortgage payment the Representative fails to mention that hhe didn’t include the late fees that have accumilated all these months. So I was just over four months behind on the payments at that point. They took my income and debt info and ask me to send in my paystub and a Hardship Letter.
They forwarded my info to the Work-Out Dept. Anyhow, when it was all said and done, They approved a Loan Modification Agreement which was fine with me. I knew I was behind and I knew I would eventually pay the money back I was delinquent on later in life. So I was doing fine and I made four months of payments on time until I got laid off in December, a week before Christmas. It was bad enough I lost my job, but I wasn’t about to let my three loving kids go without Christmas presents. That just wasn’t an option in my book. So with the lay-off and my decision to give the kids a Christmas it caused us to get behind on the Mortgage again. I had been receiving an unemployment check from Jan. through Feb. I didn’t receive enough to make the mortgage payment. I had to save what I got in Jan and Feb to make one payment. I just got a new job that pays only 78% what I used to earn. Well it is now May and I am three months behind once again. I spoke to a customer service rep and they took my financial info over the phone again like last time.However, I’m afraid they won’t approve it this time because I just got one approved back in August of last year. Can anyone tell me if they had a similiar situation where they had to due the Hope Dept. twice? And if so, did Countrywide approve your loan modification the second time around?

Thanks,
Another Countrywide Victim

]]> By: TONI http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-81 TONI Tue, 13 May 2008 16:32:54 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-81 RICK NACA AS YOU WELL KNOW IS OVERRRRRRRRWHELEMED I WAS IN THE PROGRAM LAST YEAR APRIL DID EVERYTHING BY JAN THIS YEAR STILL NO HELP FINALLY DID TALK TO A LOAN PROCESSER WHO DID NOT KNOW WHAT TO DO THE FORECLOSURE SALE DATE HELPS THEY ONLY CALL WHEN YOUR HOUSE IS ABOUT TO BE SOLD A WEEK BEFORE I DONT SEE HOW THAT HELPS COUNTRYWIDE HAS ANYONE HAD ANY SUCCESS WITH GETTING THERE LOAN WRITTEN DOWN MY PARENTS ARE READY TO DO A REVERSE MORTGAGE BUT THE EQUITY HAS GONE DOWN WITH THE FORECLOSURES IN THE AREA I WANTED TO KNOW HAS ANYONE HEARD THAT MAYBE THEY COULD WRITE DOWN THE LOAN TO MAKE REVERSE MORTGAGE GO THRU RICK NACA AS YOU WELL KNOW IS OVERRRRRRRRWHELEMED I WAS IN THE PROGRAM LAST YEAR APRIL DID EVERYTHING BY JAN THIS YEAR STILL NO HELP FINALLY DID TALK TO A LOAN PROCESSER WHO DID NOT KNOW WHAT TO DO THE FORECLOSURE SALE DATE HELPS THEY ONLY CALL WHEN YOUR HOUSE IS ABOUT TO BE SOLD A WEEK BEFORE I DONT SEE HOW THAT HELPS

COUNTRYWIDE HAS ANYONE HAD ANY SUCCESS WITH GETTING THERE LOAN WRITTEN DOWN
MY PARENTS ARE READY TO DO A REVERSE MORTGAGE BUT THE EQUITY HAS GONE DOWN WITH THE FORECLOSURES IN THE AREA I WANTED TO KNOW HAS ANYONE HEARD THAT MAYBE THEY COULD WRITE DOWN THE LOAN TO MAKE REVERSE MORTGAGE GO THRU

]]> By: Tara http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-83 Tara Tue, 13 May 2008 05:26:41 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-83 Last September (2007) we were looking at 30 days past due, cause we own a home business (pool maintenance co.) and alot of our loyal customers were having financial difficulty, and could no longer afford our service, and a few went into forclosure themselves....well this made our situation difficult, but, as soon as I saw "the writing on the wall" I contacted Countrywide to request a special forbearance or loan modification. What a joke, I called 2x's a week, to see how things were progressing, and if they needed extra info from us...blah blah blah....well, long story short, they (after I called them!) finally notified me Jan. 10, 2008 ..some four months later that they felt that we could make our monthly payment, but that we could not pay any additional "repayment" amount, so they denied our loan modification. Of course, I asked if there was any other product that could help...nope. Called 995-HOPE, they analyzed our situation, yah, we could just afford the home, but nothing more....news to us! Well, today we called (cause we are playing the 90 days past due....run make a payment, go 60 days for 2 weeks...roll back into 90 days game) and they said that the "hope" department (they may want to change that to "joke" dept.) could possibly help us...since we have demonstrated the ability to pay the current monthly pmnt, just not current + back pmnt, they will be able to "wrap" the past due 2 months back into the loan, and add it back onto the principle......I am very skeptical to say the very least....We will try to get the info to them this weekend, but I am not excited about the answer....... Q: How many of you here are using your Federal stimulus payment to pay your lender for a past due mortgage pmnt??? We are. Last September (2007) we were looking at 30 days past due, cause we own a home business (pool maintenance co.) and alot of our loyal customers were having financial difficulty, and could no longer afford our service, and a few went into forclosure themselves….well this made our situation difficult, but, as soon as I saw “the writing on the wall” I contacted Countrywide to request a special forbearance or loan modification. What a joke, I called 2x’s a week, to see how things were progressing, and if they needed extra info from us…blah blah blah….well, long story short, they (after I called them!) finally notified me Jan. 10, 2008 ..some four months later that they felt that we could make our monthly payment, but that we could not pay any additional “repayment” amount, so they denied our loan modification. Of course, I asked if there was any other product that could help…nope. Called 995-HOPE, they analyzed our situation, yah, we could just afford the home, but nothing more….news to us! Well, today we called (cause we are playing the 90 days past due….run make a payment, go 60 days for 2 weeks…roll back into 90 days game) and they said that the “hope” department (they may want to change that to “joke” dept.) could possibly help us…since we have demonstrated the ability to pay the current monthly pmnt, just not current + back pmnt, they will be able to “wrap” the past due 2 months back into the loan, and add it back onto the principle……I am very skeptical to say the very least….We will try to get the info to them this weekend, but I am not excited about the answer…….

Q: How many of you here are using your Federal stimulus payment to pay your lender for a past due mortgage pmnt??? We are.

]]> By: rick http://loanworkout.org/2007/07/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-87 rick Sat, 10 May 2008 00:29:11 +0000 http://loanworkout.org/2007/07/14/stop-foreclosure-search-trends-in-google-skyrocketing/#comment-87 I have been trying to deal with naca and the so called hope dept since November. All i can say is what a joke.I decided to let my condo go that i occupy because of the Florida real estate market or lack their of. I, like many other people in this area are very upside down and it will take decades to see our home prices rise again.I hate doing what i am doing and always paid my bills and been a responsable humane being but this housing crisis has bit me in the ass and its not going to let go. I wish everyone good luck trying to save their home. I think you will need it because there is not a hole lot of compitant help out there. I have been trying to deal with naca and the so called hope dept since November. All i can say is what a joke.I decided to let my condo go that i occupy because of the Florida real estate market or lack their of. I, like many other people in this area are very upside down and it will take decades to see our home prices rise again.I hate doing what i am doing and always paid my bills and been a responsable humane being but this housing crisis has bit me in the ass and its not going to let go. I wish everyone good luck trying to save their home. I think you will need it because there is not a hole lot of compitant help out there.

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