The New Washington Foreclosure Fairness Act Equals More Time, More Counseling, and Mediation to Distressed Homeowners that might be facing Foreclosure.
As of July 2011 there will be a new law on the books in Washington State to assist homeowners that might be facing foreclosure. The Foreclosure Fairness Act was signed off by Governor Gregoire and will go into effect in July 2011. As shown by the legislative history of the bill (HB 1362) and after a direct reading of the bill it is clear the Foreclosure Fairness Act was enacted to curb the current rise in foreclosure rates as well as rising unemployment, job loss and higher adjustable loan payments that Washington homeowners are facing.
Under the new law, Washington homeowners will be given a greater opportunity to save their homes from foreclosure. However, as a homeowner facing a potential foreclosure, you still need to take appropriate and quick steps to ensure that you are afforded the new rights under the law. The new law requires that a lender send the homeowner an "initial letter" that provides a 30 day response deadline. If you DO NOT respond to the "initial letter" you will likely be given a notice of default and the foreclosure process may move forward. However, if you DO respond to the "initial letter" within the 30 days you will be given an additional 60 days to conduct a "meet and confer" with your lender before a notice of default may be issued. The "meet and confer" period is also an opportunity for the homeowner to gain additional time and obtain either a "Housing Counselor" or an attorney to assist them in the process.
Under the Act, a "Housing Counselor" is essentially someone who can assist in representing the homeowner or borrower during the "meet and confer" with the lender. The Housing Counselor must be specifically approved by U.S. HUD or WA Housing Finance Commission. If approved, the Housing Counselor can act as the borrowers representative, just like an attorney, and request a meeting with the lender to see if potential resolution to avoid foreclosure can be reached. Potential resolutions may include a loan modification, an agreement to short sale the property, a deed in lieu of foreclosure, or some other workout plan.
But perhaps the most interesting aspect to the new law is the opportunity to request mediation with the lender. At any time after receiving the "initial letter" and prior to a recording of the "notice of trustee's sale" a housing counselor or attorney may request a mediation with the lender or bank, through the Washington Department of Commerce. The mediation process provides and opportunity to have a third party mediator review the potential resolution measures available to see if the borrower and lender can avoid the foreclosure process. Though mediation is generally a voluntary and non-binding process, it is a little more forceful under the Act as it is can be mandated and is required that both parties operate in good faith. Furthermore, the Act also provides for a Per Se violation of the Consumer Protection Act RCW 19.86 should the lender or any party fail operate in good faith.
This new law should considerably change the landscape of the foreclosure process within Washington State.
So what happens if i received a notice of default over a year ago, had since filed for BK 7 (discharged), was unjustifiably denied a modification (once for having not enough and once for having too much income, if you believe that...)? Can I call my lender and ask for a modification or do i need to wait for July?
ReplyDeleteDoron: I would be happy to discuss this further with you via email or a phone conference, as I cannot reasonably provide any proper response via a comment - nor will I provide any legal advice without knowing the full extent of the situation.
ReplyDeleteAs general response for the new law it does not go into effect until July 2011, so its measures are not enforceable until such time. One can always request a loan modification with their lender, but if your looking to do so under the parameters of the new law - just know that it is not yet in effect. If you're facing a current foreclosure you may not have time to wait, and you should consult with someone immediately. Here is an additional helpful site for WA homeowners facing foreclosure: http://www.dfi.wa.gov/consumers/homeownership/
I would be happy to discuss this with you further, so feel free to contact me. Please understand that this discussion does not form an attorney-client relationship and does not constitute legal advice.
Well what happens if you are in active litigation ... pending trial and the lender/trustee and their attorneys think it is okay to offer (at least (3)) loan modification agreements, all of which they know are and were inaccurate (per the admission of the loan servicer) and basically used EXTORTION.. (that if said modifications were not signed and returned, they would proceed with the sale)? Should one entertain dropping their suit and have faith that their loan servicer is going to act in good faith (per the new law) after they had already been down that road before? I don't think so! The trust is gone. Thats the problem from what I can see... these foreclosure mill attorneys (such as one in Bellevue), know how to twist the law to no avail. and truly think they are above the law. They try and twist the statutes even. Matter of fact, these foreclosure attorney firms have their own law legislature attorney in their own office. Talk about a CONFLICT! I can only say that THEY will all get theirs in the end. Maybe not in this life, but their GREED and destruction of the American Family will haunt them for eternity. They know who they are... so if one of them should read this, they know it is about them. They do the devils work. Right...L.O.J.S. They also try and force their weight around in the courts and put a lot of pressure on the judges. Matter of fact, they think they are above the law and are committing fraud on the courts. This is the biggest stealing of American wealth in our lifetime. Many years from now, you will find out more and more of the fraud that is yet to reveal itself. If everyone could see these trustee attorneys in actions... It is quite shameful. I do not know who grew up in life and said.. I WANT TO BE A BANKSTER ATTORNEY AND STEAL PEOPLE'S HOMES AND KNOW ALL ABOUT DERIVATIEVES, CREDIT SWAPS, CDOS AND HEDGING. You see these attorney firms themselves have hedged against the very homes they go after. There is not independence. There is no good faith. There is too much money at stake for them. RIGHT... L.O.J.S.? Just remember.. in the very end... they lose for they have SOLD THEIR SOULS. Good Luck To The Good People of America Out There and God Bless!
ReplyDeleteForeclosure of property happens when the borrower can no longer pay his obligations to the lender. His properties will then be freezed and will become property of the lender. As his properties are his collateral, it will be hold. Moreover, there are ways to solve this through an attorney.
ReplyDeleteThats great there trying to do something to stop this, even though it dosen't sound like it will help. My wife and I have been going through the loan modification process for three years, long enough for us to catch the loan up once in that three years, but of course she is in the construction field and has been laid off about 6 times in this period Miss Gregoire used federal money that was supposed to be used for road work, to pay off our debt for Washington State and look, where still in debt. ("Thanks Christine")Gee! I wonder if putting some of these displaced workers in these cities back to work if that and all the permits required would pay into fica, unemployment, state Taxes isn't that how this works, idk, idk i'm not an expert. sorry about the tangent I had to get that out! During our process of this modification in the last three years our paper work has been lost atleast 5 times we faxed the docs about 5 times to 5 diffrent people and they all said nope didn't get it we have sent form after form at there request even though they keep asking for the same things over and over c'mon this isn't a police interogation our story isn't gonna change. we currently are not in foreclosure and have been paying on time for the last 2 years but are behind 2 payments, we have been working with a hud approved agency to medeate a solution to the adjustable rate we are on, and the arears but that has been going on for almost one year, now it seems like they are starting to run us around along with the hud approved medeator saxon servicing whitch is a morgan stanley company. I know that there is a process to everything and nothing is free, what since does it make? to take my families house and sell it to someone for 140k less than what I owe cause thats what the forclosures in my nieghborhood are going for, I owe 7k in back payments with all there junk fees and them sending this idiot out to my house every other month to put a envelope on my door asking me to call saxon and adding $100 everytime he comes. they could just drop the fees and and add the real amount I owe whitch is less than 4k to the end of the loan give me a month off to stash some money just incase, and I would continue to pay as I been doing. THESE BANKS ARE CAUSING THIS FORECLOSURE AND RECESSION CRISIS, I wonder what would happen if we all came together and everyone stopped paying they wouldn't have a choice but to stop playing games with us cause it would cause a mass default and the banks would have to do something. I been in my house for 8yrs and never was late or missed a payment in 5 consecutive yrs, I even called and asked for a extension before I ever missed a payment, and this is how the do me, I may sound a little rediculous to some, but I have been to hell and back with saxon I'm frustrated.
ReplyDeleteDear Anonymous from 6/30/11:
ReplyDeleteI'm sorry to hear of your situation it clearly sounds frustrating. Though it may not sound like much, the new Foreclosure Fairness Act should bring a tremendous benefit to those in your similar situation. Provided you're not already in default or facing a trustee sale, the lender is going to be required to give you an initial letter explaining your circumstances. You will have to respond to this "initial letter" within 30-days, but once you do you will be given an opportunity to "meet and confer" with an agent (and not passed off to 5 different departments and contacts). If the bank/lender fails to operate in good faith and fulfill these obligations, then they may be prone to a violation of the consumer protection act. So this new act should give you the homeowner greater leverage in negotiating with the bank and forcing the bank to operate in good faith with you.
As a Realtor in the state of Arizona, the emotional cost to homeowners going thru short sales and foreclosures is tremendous! This leads to hatred of banks, loan servicers and complete disbelieve at the process. With good reason. I recommend to my clients going thru this to get a HUD counselor, an Attorney and I have one myself, so that there is someone working for you. The good legislation to protect homeowners by the state the better. AZ is not there yet. Gwen
ReplyDeleteGwen:
ReplyDeleteThanks for the comment. And yes, under the new WA law, any homeowner facing foreclosure should truly consider getting a HUD or approved housing counselor or attorney to assist them in this process. Under the new WA law, if you are getting nowhere, your attorney can request that you be submitted to a mediator (third party) to assist in the negotiation process. This could help result in a good workout plan - loan modification, short sale or deed in lieu.
I'm the anonomys guy from 6/30/11. I have a Hud Aproved counselor, I been working with for almost a year and when they asked for the second dod frank form, I knew they are now beginig to get the run around, I mean how many times does saxon wanna know we have not commited any fraud irs or wire fraud or and are not felons. I guess next there gonna want my criminal record and the attourney thing sounds great, but I have a friend at work that is going throught the same thing as me but with gmac she has an attourney that they have to pay of course she just shelled out $1000 and now has to pay him $400 for there latest meeting and I would imagine if there is lawyers doing this pro bono or sliding scale I would be getting an over worked attourney with a large case load so ahhhhh!!! any sugestion or just hold out til july P.s. I hate saxon and i hope there building was built with rusty rebar an new wood
ReplyDeleteDear Saxon Hater:
ReplyDeleteSorry you're having to deal with this, I can sense the frustration... and it appears you've got a true feel for how the system is being run right now. Even under the new law they're trying to ramp up the number of counselors, but I imagine there will still not be enough to meet demand and yes a lot of people will be overworked on this. And yes, I, too bill my hourly rate on these matters, so it can get relatively expensive... my hope is that under the new law, things will be more streamlined and should help keep costs down.
Just as an additional resources the WSBA has a foreclosure help program at this site: http://www.wsba.org/Legal-Community/Volunteer-Opportunities/Public-Service-Opportunities/Home-Foreclosure-Legal-Aid-Project
i am in default and have been issued a notice of trustee sale that is scheduled to occur 7/29/2011. Do I qualify for this "foreclosure fairness act" program?
ReplyDeletethank you....
M.Connery:
ReplyDeleteUnfortunately no. The WA Foreclosure Fairness Act does not go into effect until July 22, 2011. However, you may still have options available. There is information and counselor's available at this website.
http://www.dfi.wa.gov/consumers/homeownership/
or you might try calling a local real estate attorney - or my office - to see if something can be done. Good luck to you.
WA DFI has put out a new handout regarding the WA Foreclosure Fairness Act to review it check their website or go to this link:
ReplyDeletehttp://www.dfi.wa.gov/consumers/homeownership/pdf/ffa-homeowner-handout.pdf
Well you all are not going to believe this. My wife called our counselor and explained how we where frustrated after 3 years of run around and that everyone we know who has had a modification has got some nice results but they where all the way in foreclosure, we are just down a few payments.my wife's statement to her was"we should stop paying maybe thats the problem" the counselor strongly advised against it. my wife conferred with me I told her f@$% it don't pay what do we have to loose at this point at least we will have a nice down payment for some place affordable to live. July 1 we did not make the payment July 8 my wife comes home to a Ups package on the door witch she just knew where, get out papers low and behold it was a modification proposal for $975 for 1yr $1100 2-5yrs toping out at $1200 for 5-35 yrs fixed rate and 100k of interest dropped off the loan with all arrears at the end witch is great we can actually use this opportunity to get back on our feet. the awesome part is we are already over two payments ahead we are in a great position now. however I'm not saying not paying is a good idea but they seem to have acted fast when i held the third payment back. this is also crazy, my h.u.d. counselor knew nothing about the modification saxon never contacted them just sent the papers to me and i faxed to the hud counselor before signing to make sure it wasn't a trick of some sort. anyway thanks for all the advice and encouragement. now i will try and tackle my second even though i kept up with the payment never been late nor behind just wanna fixed rate so some of my money can go towards the principle. p.s. I still hate saxon! and i hope they sell my loan.
ReplyDeleteWhat is the benefit of retaining an attorney to assist in the process under the new law, compared to a free HUD-approved housing counselor? Please help!
ReplyDeleteDear Anonymous of 7/19/2011:
ReplyDeleteFree always does sound a bit better doesn't it? It could be tough to say at this point - as shown in the legislative reports and as is widely known - foreclosures are becoming more commonplace and widespread. Because of this, I'm not entirely sure how many new or expanded HUD-approved housing counselors there are currently. I've heard they're gearing up for July 22nd - the day the new law goes into effect; but, I can only imagine they will be swamped shortly thereafter.
As such, the only difference I can speculate to is that it might come down to a service issue. A personalized attorney may be more accommodating and responsive to your questions. An attorney in this area may also have greater experience with other areas of the law that might be collateral to your foreclosure issue - employment issues, other potential outstanding debts and as such the attorney might be able to offer other sound advice as to assist you in all facets of your legal issues. The housing counselors are likely not to be able to provide you with any legal advice - and likely prohibited from doing so (though they will know intricacies of the new law and help negotiate on your behalf, they may not be able to answer other pending questions you have).
Nonetheless, do what you feel is best for you. If you are considering hiring an attorney, do your research.
If you are considering hiring an attorney here are a couple links that might be helpful in researching your attorney:
WA Bar Association Lawyer Directory
http://www.mywsba.org/Default.aspx?tabid=177
Another site that might be helpful - Avvo
http://www.avvo.com/
Dear saxon hater 4 life....your situation sounds just like someone's that I work with. So either it's way too common what the mortgage companies are allowed to do to the borrowers or you are my co-worker!! It's sad and comforting at the same time to read these comments and know that we're not alone in this situation and we all need someone out there to protect our rights as homeowners, especially when the lender is at fault for "misplacing documents" or neglection to return any phone calls to myself or my attorney, or just down right refusing to do anything to help. We want to keep our house and have been fighting tooth and nail to keep it, but is it really worth it? GMAC agreed to do a modification for us and then after the trial period, they denied us for not sending in the permanent modification paperwork (which they never sent to us) so now I have paid $10,272 since January of this year to GMAC and my attorney to try to keep our home and it feels like it will never end. I wait so pariently everyday for a phone call telling us that we get to keep our home but it's been almost 8 months now and it's put a HUGE strain on my marriage along with everything else and it's gotten to the point of ridiculous. Someone needs to step in and take control of the BS that's been going on with the mortgage companies.
ReplyDeletei have tryed everything ive been turned down for modification im on disablity i only have 884.00 month my oloan has been in defaught since june 2011 im behind 4 house payment
ReplyDeleteDear Anonymous 7/25/2011:
ReplyDeleteI am sorry to hear of your situation. You should not hesitate to contact someone about this and get help. Don't be afraid to ask for help. As shown in my post above there are counselors and attorneys out there that can help you.
If you are in Washington try checking these links: http://www.dfi.wa.gov/consumers/homeownership/
http://southsoundoutreach.org/
http://www.wsba.org/The-Public
Or simply give me a call and I'll see if I can offer some more insight to you.
I have a 1st and 2nd with BOA. I contacted them 3 months before missing a payment. They said they could not help me until I was 3 months behind and had it on the market. So that is what we did. Then they told us we did not qualify for a mod because we had re-financed in 2009 and was not in the loan for 12 months. We tried to short sale the property had a buyer everything looked good so we moved out just prior to the closing date in Oct 2010. We signed a year lease. Then the short sale fell through. Since that time we have had 2 other short sales fall through. The last one was in June 2011. However BOA did not notify me or my realtor. I just found out that they closed the file because the forms were outdated and said it all needed to be re- submitted. We could have been living in our home this whole time. We want to keep our house but have been told by whomever is answering the call center when we call that we would not qualify for a mod. We just found out that after 12 missed payments FHA wont allow a mod. But was not told until we missed 15 payments. We feel BOA has been unresponsive at every turn and does not want us to keep our home. We are getting ready to move back in and continue to try to obtain a modification. We need help.
ReplyDeleteDear Anonymous of 7/28/11 - go get help!!! Don't wait. There are potential HUD counselors available to discuss your options. There are also many organizations out there offering assistance to homeowners in your position.
ReplyDeleteUnfortunately, there are many stories similar to yours out there. Don't rely on the bank or lender to know what's fully going on in your situation. Put it in writing - keep copies and confirmation of mailings. You need to stay on top of them and hound them.
I agree and thank you. I have made an appointment with an attorney to see if filing bankruptcy will allow us to keep our home. We are hoping there is a way. Thanks again.
ReplyDeleteIf your house is foreclose, are still liable for the renmaining balance of your loan?
ReplyDeleteDear Anonymous of 9/32/2011:
ReplyDeleteIt depends. In Washington State, if you only have one mortgage or one deed of trust against he property and the lender does a "non-judicial" foreclosure, then you will not be responsible for remaining balance or a deficiency. See RCW 61.24.100 http://apps.leg.wa.gov/rcw/default.aspx?cite=61.24.100
You should discuss any legal issues with an attorney in your area or contact a housing counselor. check this website: http://portal.hud.gov/hudportal/HUD?src=/states/washington/homeownership/hsgcounseling
I have a unique situation. I have 1st lien with BOA and a second lien with Wells Fargo. Wells Fargo modified my loan last year but told me this year that it was temporary and put me back on high repayments again. I am unable to meet this high repayments. All repayments to first lien hold BOA is uptodate but we are 30 days late on our second. Wells fargo said they will foreclose on us. If they do so, they will have to pay off BOA and will not have anything left for them as the property value does not cover both. Can Wells fargo come after me for any remaining balance if they initiate the foreclosure. Why would they want to put me on the streets when I was making modified loan payments without fail. They put me in a hardship position by increasing my reapayments and now they are asking me to prove my hardship?. This is simply BS. We make less money than what we were making when our loan was modified. What should we do?.
ReplyDeleteDear Anonymous of December 15th:
ReplyDeletePlease take notice that I cannot give specific legal advice to your issue. You will need to contact someone directly on this matter, either a HUD counselor or attorney in your area. I would be happy to answer any questions via teleconference more specific to your issue. However, you do not specify whether you are in WA State, I would assume this to be case, but I will not venture to assume or speculate.
As to general information, WA state is a non-recourse state for nonjudicial foreclosures, but only as to first mortgages/deeds-of-trust. Thus, the 2nd deed of trust holder could pursue you for the outstanding debt. There does seem to be some discrepancy as to the temporary plan, but again you will need to contact some directly on these issues. There are many attorneys out there that would be more than willing to sit down with you for a consultation, I would urge you to contact someone.
We just got notification from GMAC today that they have FINALLY approved our modification request. It took a year and 1/2 for them to fix what they messed up and I'm positive if it wasn't for our presistance we would have lost our house. Please, if you are in the same boat, get help, read up on the modification laws for your state and don't give up. We had to pay for an attorney just to get our voice heard and even though it did cost quite a bit of money it may have been the only reason we get to keep our home. I strongly believe unless these mortgaage companies want to go under and out of business, it should be in their best interest to WORK WITH their clients instead of aginst them. Good luck to anyone else out there and their fight to keep their home.
ReplyDeletehi,
ReplyDeleteI have a first mortgage with Capital One that is in arrears. I have rec'd numerous "pay in full" notices, but no foreclosure notices as of yet. I have in accordance with the new Fairness law requested (in writing, certified) a meet and confer with the lender. My reading of the law is that they need to meet with me in person. They say they can't. Capital One is not on the list of those who are required to go to mediation...not enough loan volume in Washington state. So my question is, does none of this law apply to them? Are they not required to meet and confer since they don't do enough business in WA state? I am prepared to do many things to stay in our home, but they have been extremely confusing and not cooperative. I am willing to hire an attorney if need be to get their attention, but there is no point if the statute doesn't apply to them. thanks
Dear Capital One:
ReplyDeleteYes, unfortunately Capital One is correct. They are currently listed as exempt under the new Foreclosure Fairness Act. Lenders that did less than 250 trustee sales per year are exempt. A current list of lenders exempt under the act can be found here: http://www.commerce.wa.gov/DesktopModules/CTEDPublications/CTEDPublicationsView.aspx?tabID=0&ItemID=9853&MId=846&wversion=Staging
However, you should not give up in trying to communicate with your lender. If you find yourself getting nowhere, then remember there is FREE housing counseling available to help homeowners understand their options and determine the best course of action. You can contact a housing counselor at 1-877-894-HOME (4663).
We have a rental in addition to our primary residence. (We started building a new house about five years ago just befor the bottom fell out of the housing market and then we were unable to sell the other when we finished.) There is a considerable difference between the monthly mortgage payment and what we have been able to rent it for. We have hung in then for these four years but have just about exhausted our savings and don't see anyway to hang on to the rental. Wells Fargo has told us that they won't consider a loan modification until we're behind on payments (and I've heard other's experience with that) and of course we owe more than what the house is worth. Does this new law apply to our rental house or would it only apply to one's primary residence?
ReplyDeleteI am so confused I can't even think straight. Received so many notices from different "agencies" representing BOA. Googled some and they were scams. Spoke with "experts" who advised I stop making payments since no one was willing to help me refinance because we had in Jan 2009 so didn't qualify for Federal help.
ReplyDeleteI can list it for 90K but told it won't come close to that, owe 139K on it. Stopped payments..July 2011 was last one. After a realtor came to look at property to help, he said he couldn't but it would auction low, things moved forward rather quickly. He said as he left that he couldn't help me sell it and now will not return calls. Pretty certain since I found out he is an investor, that he wants it.
The home is not livable or fixable do to toxic mold. We live in our garage. It is just over 6 acres, can't sub-divide and since water tables changed, have been told that the majority would be reclassified as wetlands. Making this property virtually non-sellable. I certainly do not want someone to buy it after the mobile was "cleaned up" because you cannot clean toxic mold without tearing it down and sanding all studs down a certain depth. I do not want another family's health hit like ours has been. I have been out on non-paid medical for two years. The kids have a year round sinus infection, and more.
Notice that it goes to auction in Snohomish Cnty, June 12, 2012 then two weeks later a notice that HUD owns title. I need to know how to save this place because of our health issues, we can't live just anywhere.
Help would be greatly appreciated.
Hello, as I read through different opinions or situations from many different folks, I fear mine is not unique!! We have been in contact with BoA for almost 2 years now trying to get a loan modification, I was current in payments, however, BoA did not accomodate my request. My income decreased, my loan was before Jan '09, my child has mental health issues causing a sifnicant increase in medical bills, my job then cut hours back. We decided to skip payments and boy did we get the attention of the lender, however, the process dragged on. Requesting info after info, duplicate info, more info, duplicate info month after month. We received a letter saying that we have been approved for the same interest rate (5.87% when current interest was below 5% at that time!), tacked on late / interest, causing an increase in monthly payment!! AND THEY CALLED THAT A MODIFICATION!! That we declined. It proceeded with requesting another look at modification and we were asked to re-submitt all the docs, and more info after info, until a foreclosure date came, we requested to postpone many times, we would get letters and continue to postpone as BoA continues to ask for more info after duplicate info we already submitted!! The last foreclosure date we received was for 6/15/12, we continue to work with BoA and postponed that again. BoA still says they need more info from us!!!!!!! We have submitted all info requirements of the letter plus more!! The house foreclosed on 7-13-12, sold, but the difference is that we did not receive any letter stating the foreclosure date, no postings on the house, nothing and BoA was still entertaining our request for modification and asking for more info!!!! The same infor they been asking for the last 3 months!! Now they say we have no recourse because the house has sold and we have to vacate!!! How could this be happening when BoA has had complete documents more than 3 months ago!! I mean if I dropped the ball, I can take it, but we have been submitting all BoA requests diligently and they drop the bomb on us!! How are we protected from this??? What is my next move??
ReplyDeleteDear Anonymous 7/18:
DeleteYou should contact a local attorney immediately.
In Washington State, there may be grounds for setting aside the sale as shown in my recent post: http://www.gritcitylaw.com/2012/05/failure-to-comply-with-wa-deed-of-trust.html
However, you will need to contact an attorney immediately to see if you have any recourse.
I noticed on one of your replies to a homeowner that after we reply to the bank with about a forclosure that we have 60 days to meet with a banker to discuss our forclosure. I was under the impression that the banker needed to initiate the meeting. Sixty days has come and gone for us. Do we need to contact the bank? Has our time come and gone? And, nost importantly, can we resume payments to the bank at any time once we have the money to start paying on the loan again, or have we missed the boat in trying to keep our house?
ReplyDeleteI sent a document from my counselor certified and continue to claim they did not receive documents for meeting typed by my counselor. Green card received and signed. Mortgage Companies can play whatever games they want and get away with it.
ReplyDeleteI just received my notice of default. I was working with a HUD approved counselor, but she stopped returning my. Everything fell abart. If I retain an attorney, how do I pay for their services? I would like to keep my hose.
ReplyDelete