Comments on: GUESS THIS MEANS THAT WE HAVE TO BE READY TO LOSE OUR HOME BEFORE WE CAN GET ANY HELP. http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/ Loan Modification & Home Loan News Sat, 20 Mar 2010 15:31:56 -0700 http://wordpress.org/?v=2.9.2 hourly 1 By: tim http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-12898 tim Fri, 13 Mar 2009 06:19:31 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-12898 We were defrauded by CitiMortgage who is really Capitol Fairbanks; these bastards foreclosed our home and we were never, ever late! The scummy bastards, their employees and lawyers are stealing innocent peoples homes devoid of any delinquency! If you refinanced your home, send a letter of rescission and then when the bastards do not cancel the loan in 20 days as they have to under law, and they attempt to foreclose on your home, defend the foreclosure and go to the courts and bring the certified return receipt and letter of rescission and assert sham collection, fraud, file complaints against the scummy bastard Citi Lawyers and get your loan set aside! Stay away from those corrupt BK courts as a lot of these courts are running a scam on the American public with the Judges often being appointed by this scummy banks representing law firm or, your banks law firm and, the judge in the bk along with our US DOJ trustee is there to assist these bastards, we know, it happened to us! We were never late on our mortgage and were paid in advance at all times and this scummy bank, CitiMortgage, their sum sucking employees and scummier lawyers, have committed bank fraud and treason upon the courts when they filed fraudulent foreclosure actions against us devoid of any delinquency! We are suing the bastards and hope to own CitiMortgage one day for what they have done to us and many other Americans and, DO YOU REALLY THINK THESE BASTARDS ARE GOING TO HELP YOU ON YOUR MORTGAGE FOR 3 MONTHS? THEY ARE NOT AND IF YOU ARE A REFINANCE TRANSACTION, YOU HAVE RIGHTS UNDER TRUTH IN LENDING ACT AND RIGHT OF RESCISSION, SO EXERCISE IT AND DO NOT DO A LOAN MODIFICATION WITH THESE SCUMMY BASTARDS AS THEY FORCE YOU TO WAIVE YOUR LEGAL CONSUMER RIGHTS AND, THEY CHARGE ILLEGAL COLLECTION AND LAWYER FEES TO WHICH THE TILA AND REG. Z SPECIFICALLY SAY THEY MAY NOT CHARGE! WE HATE THESE BASTARDS AND WILL WORK EVERYDAY UNTIL THEY FALL TO THE GROUND AND ALL THEIR EMPLOYEES ARE LAID OFF AND THEIR SCUMMY LAWYERS ARE DISBARRED! TO HELL WITH CITIMORTGAGE AND SHAME ON OUR GOVERNMENT FOR GIVING THEM OUR TAX DOLLARS TO CONTINUE THIS SCAM AGAINST HONEST AMERICANS! We were defrauded by CitiMortgage who is really Capitol Fairbanks; these bastards foreclosed our home and we were never, ever late! The scummy bastards, their employees and lawyers are stealing innocent peoples homes devoid of any delinquency! If you refinanced your home, send a letter of rescission and then when the bastards do not cancel the loan in 20 days as they have to under law, and they attempt to foreclose on your home, defend the foreclosure and go to the courts and bring the certified return receipt and letter of rescission and assert sham collection, fraud, file complaints against the scummy bastard Citi Lawyers and get your loan set aside! Stay away from those corrupt BK courts as a lot of these courts are running a scam on the American public with the Judges often being appointed by this scummy banks representing law firm or, your banks law firm and, the judge in the bk along with our US DOJ trustee is there to assist these bastards, we know, it happened to us! We were never late on our mortgage and were paid in advance at all times and this scummy bank, CitiMortgage, their sum sucking employees and scummier lawyers, have committed bank fraud and treason upon the courts when they filed fraudulent foreclosure actions against us devoid of any delinquency! We are suing the bastards and hope to own CitiMortgage one day for what they have done to us and many other Americans and, DO YOU REALLY THINK THESE BASTARDS ARE GOING TO HELP YOU ON YOUR MORTGAGE FOR 3 MONTHS? THEY ARE NOT AND IF YOU ARE A REFINANCE TRANSACTION, YOU HAVE RIGHTS UNDER TRUTH IN LENDING ACT AND RIGHT OF RESCISSION, SO EXERCISE IT AND DO NOT DO A LOAN MODIFICATION WITH THESE SCUMMY BASTARDS AS THEY FORCE YOU TO WAIVE YOUR LEGAL CONSUMER RIGHTS AND, THEY CHARGE ILLEGAL COLLECTION AND LAWYER FEES TO WHICH THE TILA AND REG. Z SPECIFICALLY SAY THEY MAY NOT CHARGE! WE HATE THESE BASTARDS AND WILL WORK EVERYDAY UNTIL THEY FALL TO THE GROUND AND ALL THEIR EMPLOYEES ARE LAID OFF AND THEIR SCUMMY LAWYERS ARE DISBARRED! TO HELL WITH CITIMORTGAGE AND SHAME ON OUR GOVERNMENT FOR GIVING THEM OUR TAX DOLLARS TO CONTINUE THIS SCAM AGAINST HONEST AMERICANS!

]]> By: PIST http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11045 PIST Sat, 07 Jun 2008 16:40:24 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11045 I guess the banks want to keep adding to their foreclosure pile. WHY DON'T THE BANKS JUST HELP EVERYONE THEY CAN IMMEDIATELY AND MAYBE THINGS CAN GO BACK TO NORMAL. YEAH, just tell all the investors we are giving everyone a loan mod across the board a fixed rate of 5% for the remainder of their loan. think of that A WIN - WIN for all sides. people can keep their homes and investors can keep getting paid. imagine that a simple solution I guess the banks want to keep adding to their foreclosure pile.

WHY DON’T THE BANKS JUST HELP EVERYONE THEY CAN IMMEDIATELY AND MAYBE THINGS CAN GO BACK TO NORMAL.

YEAH, just tell all the investors we are giving everyone a loan mod across the board a fixed rate of 5% for the remainder of their loan.

think of that A WIN – WIN for all sides.
people can keep their homes and investors can keep getting paid. imagine that a simple solution

]]> By: C.F. http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-5242 C.F. Thu, 05 Jun 2008 03:53:30 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-5242 Wow, this is terrible. They are suppose to be held to the upmost code of ethnic. My husband is a realtor, no we did not buy a 750 (whatever type car that was), no we do not live in a million dollar home, no I don't get my nails or hair done ,no I don't buy name brand and NO, my husband does not LIE, CHEAT or STEAL. That's why we are still BLESS even through the hard times. Those that do will have their turn, and it's dbl folds. I'm a true believer of Karma. I'm sorry to say this, the people that were con usually completely trust the other person because they are of the same ethnicity. My husband caught a loan officer trying to scam a lady out of $40k. She showed him her loan docs and the numbers didn't match, even though she had already signed the loan docs because my husband caught it, she was able to cancel on time. And NO he didn't make anything from it. It was all in the goodness of his heart. I'm sorry to hear about all these poor people being con. When times are hard and people begin to feel squeezed people go into survival mode. Unfortunatley, they choose the easier route to hurt people. Gosh, go get a job...beware people are now stealing gas from parking lots now....All my husbands real estate friends also have regular jobs also..... Wow, this is terrible. They are suppose to be held to the upmost code of ethnic. My husband is a realtor, no we did not buy a 750 (whatever type car that was), no we do not live in a million dollar home, no I don’t get my nails or hair done ,no I don’t buy name brand and NO, my husband does not LIE, CHEAT or STEAL. That’s why we are still BLESS even through the hard times. Those that do will have their turn, and it’s dbl folds. I’m a true believer of Karma. I’m sorry to say this, the people that were con usually completely trust the other person because they are of the same ethnicity. My husband caught a loan officer trying to scam a lady out of $40k. She showed him her loan docs and the numbers didn’t match, even though she had already signed the loan docs because my husband caught it, she was able to cancel on time. And NO he didn’t make anything from it. It was all in the goodness of his heart.

I’m sorry to hear about all these poor people being con. When times are hard and people begin to feel squeezed people go into survival mode. Unfortunatley, they choose the easier route to hurt people. Gosh, go get a job…beware people are now stealing gas from parking lots now….All my husbands real estate friends also have regular jobs also…..

]]> By: Gayla http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11046 Gayla Wed, 04 Jun 2008 16:42:19 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11046 I too applied to Countrywide's workout dept, I started the process in February 2008, after my husband lost his job in October of 2007. I knew that keeping up on payments was going to be hard, at the time we had very little left in savings, I wanted to start the process as early as possible,as I knew that it would take time, well here we are it is June 4th 2008, no relief, no help. I have managed to make payments the day before they go 30 days to try to keep my credit intact, but todays the day if I do not make the payment today it will have gone the 30 days, and I can't make it, now this also means I am due for Junes payment as of tomorrow. Here's the kicker, I called Countrywide 2 days ago to check and see if they had made any progress with getting help for us, (I have been assigned a negotiator, although Ihave yet to speak with her in the last 2 months since she has been assigned) at any rate I was told I'm not up there on the priority list because I was yet to miss a payment, I was told that when I miss May's payment and at that time I will then be due for Junes payment, that a human would actually call me, because then I am in default. One would think that they would try to help early on, or perhaps they just want to own another foreclosed property in Florida. I too applied to Countrywide’s workout dept, I started the process in February 2008, after my husband lost his job in October of 2007.
I knew that keeping up on payments was going to be hard, at the time we had very little left in savings, I wanted to start the process as early as possible,as I knew that it would take time, well here we are it is June 4th 2008, no relief, no help. I have managed to make payments the day before they go 30 days to try to keep my credit intact, but todays the day if I do not make the payment today it will have gone the 30 days, and I can’t make it, now this also means I am due for Junes payment as of tomorrow.
Here’s the kicker, I called Countrywide 2 days ago to check and see if they had made any progress with getting help for us, (I have been assigned a negotiator, although Ihave yet to speak with her in the last 2 months since she has been assigned) at any rate I was told I’m not up there on the priority list because I was yet to miss a payment, I was told that when I miss May’s payment and at that time I will then be due for Junes payment, that a human would actually call me, because then I am in default. One would think that they would try to help early on, or perhaps they just want to own another foreclosed property in Florida.

]]> By: Michael Barkley http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11044 Michael Barkley Wed, 04 Jun 2008 07:13:19 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11044 Ah, yes, Countrywide. My stepdaughter's husband is out on disability, and with her health she seems to be heading for the same, all while next month they're facing a huge readjustment on their variable rate mortgage they were talked into. Their loan balance is about twice the current value of the house, they've applied to Countrywide for some sort of workout since they've been OK'd for one of those relief FHA loans, but Countrywide told them they're not eligible since they're NOT BEHIND on their loan. Meanwile other people are being told by Countrywide they're not eligible because they're NOT CURRENT on their loans. Now when she asks to speak with her Countrywide negotiator she is refused access and when she said she was just trying to protect her credit in the face of adversity Countrywide responded that they do not care what happens to her credit. Mozillo's got his, too bad for his customers. Sigh. Ah, yes, Countrywide. My stepdaughter’s husband is out on disability, and with her health she seems to be heading for the same, all while next month they’re facing a huge readjustment on their variable rate mortgage they were talked into. Their loan balance is about twice the current value of the house, they’ve applied to Countrywide for some sort of workout since they’ve been OK’d for one of those relief FHA loans, but Countrywide told them they’re not eligible since they’re NOT BEHIND on their loan. Meanwile other people are being told by Countrywide they’re not eligible because they’re NOT CURRENT on their loans. Now when she asks to speak with her Countrywide negotiator she is refused access and when she said she was just trying to protect her credit in the face of adversity Countrywide responded that they do not care what happens to her credit. Mozillo’s got his, too bad for his customers. Sigh.

]]> By: T Anderson http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11039 T Anderson Sun, 01 Jun 2008 20:56:14 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11039 I too can feel what you are. Citimortgage told me the same thing. I needed to basically be in foreclosure before they can discuss doing a workout. I have been faxing information every week since March. They have conveniently lost my paperwork every time, and have had to open and close the case because of the screwed up politics. I was informed by someone in the loss mitigation dept. the other day that they are working on 700 workouts an hour! On June 5, they will start foreclosure proceedings... maybe I will finally get that call from them that I have been waiting for. Or... maybe I will go rent the house down the hill from me that is 2000 sq. ft larger, newer and has a swimming pool...for half of the money I am paying for my mortgage...Hmmmmm....... I too can feel what you are. Citimortgage told me the same thing. I needed to basically be in foreclosure before they can discuss doing a workout. I have been faxing information every week since March. They have conveniently lost my paperwork every time, and have had to open and close the case because of the screwed up politics. I was informed by someone in the loss mitigation dept. the other day that they are working on 700 workouts an hour! On June 5, they will start foreclosure proceedings… maybe I will finally get that call from them that I have been waiting for. Or… maybe I will go rent the house down the hill from me that is 2000 sq. ft larger, newer and has a swimming pool…for half of the money I am paying for my mortgage…Hmmmmm…….

]]> By: fluffandstuff http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11040 fluffandstuff Fri, 30 May 2008 20:58:45 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11040 No we are not all selfish. We also want to be able to keep our children and ourselves safe. Sometimes I tell myself those people who judge us who got into trouble has forgotton that they may have been luckier in their lives. We wanted a home for our family..due to the subprime era, housing boom and lack of rentals available (with escalated rental prices as well) we made the only choice available at the time... Maybe we lacked mortgage knowledge, signed documents without understanding them, etc.. and these are not excuses.. in our family case it is fact. Since then I have learned many more things and saved my home. The consequence for us is our credit rating but you know what... we have a house and the kids are safe.Hollar and judge if you like .. that's why there are differences in people.. Although there is no crystal ball for any of us in this economy.. I hope those of you out there who assume the worst of people and "blame" us for all the country's woes, please I hope the best for all of you... because as the post above me says.. We are rich No we are not all selfish. We also want to be able to keep our children and ourselves safe. Sometimes I tell myself those people who judge us who got into trouble has forgotton that they may have been luckier in their lives. We wanted a home for our family..due to the subprime era, housing boom and lack of rentals available (with escalated rental prices as well) we made the only choice available at the time… Maybe we lacked mortgage knowledge, signed documents without understanding them, etc.. and these are not excuses.. in our family case it is fact. Since then I have learned many more things and saved my home.
The consequence for us is our credit rating but you know what… we have a house and the kids are safe.Hollar and judge if you like .. that’s why there are differences in people.. Although there is no crystal ball for any of us in this economy.. I hope those of you out there who assume the worst of people and “blame” us for all the country’s woes, please I hope the best for all of you… because as the post above me says.. We are rich

]]> By: sandy http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-5243 sandy Fri, 30 May 2008 02:56:44 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-5243 While I "feel sorry" for this poor guy, if he hadn't been out to "beat" the system, he never would have lost his home. That is what got the industry in trouble in the first place, and it will continue as long as the sleeze balls are allowed to be in the industry, buyer/seller/broker/loan agent etc. It used to gall me that people with bad credit were rewarded with the subprime loans, or not having to payoff collections etc. Ethics and morals are certainly out the window. While I “feel sorry” for this poor guy, if he hadn’t been out to “beat” the system, he never would have lost his home. That is what got the industry in trouble in the first place, and it will continue as long as the sleeze balls are allowed to be in the industry, buyer/seller/broker/loan agent etc. It used to gall me that people with bad credit were rewarded with the subprime loans, or not having to payoff collections etc. Ethics and morals are certainly out the window.

]]> By: Patrick http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-5244 Patrick Thu, 29 May 2008 17:20:41 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-5244 Morning Moe, I read this yesterday. This happened in my area. Just one of many cases. I just finished an evaluation and we filed a complaint with the DA in on another case. This was a realtor who took a person for $120k on the purchase of her home. Barbara Hernandez will be writing about this one as soon as the charges are filed. Amazing the fraud in this area. And it is on-going. Morning Moe,

I read this yesterday. This happened in my area. Just one of many cases.

I just finished an evaluation and we filed a complaint with the DA in on another case. This was a realtor who took a person for $120k on the purchase of her home. Barbara Hernandez will be writing about this one as soon as the charges are filed.

Amazing the fraud in this area. And it is on-going.

]]> By: Will I go to jail because of my bills? Will I lose my kids because I am homeless? | Loan Modification & Home Loan News http://loanworkout.org/2008/05/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11041 Will I go to jail because of my bills? Will I lose my kids because I am homeless? | Loan Modification & Home Loan News Wed, 28 May 2008 14:34:16 +0000 http://loanworkout.org/2008/05/22/guess-this-means-that-we-have-to-be-ready-to-lose-our-home-before-we-can-get-any-help/#comment-11041 [...] Submitted by an American Homeowner: [...] [...] Submitted by an American Homeowner: [...]

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