In reference to the statement ” She said the person dealing with financing cannot simply take phone calls & I must hold back until they get in touch with myself

Trust me I know that is dumb to my part, but times was hard financially & once you arrive at a time where you can rarely afford the bare basics exactly what more will you be to do? I understand I’m zero specialist & this will be strictly an ignorant end – however, We thought the new worse which could happen ‘s the second ultimately places a great lien to your family & whenever i sell it it manage to get thier 25K.

Not too one which you have included on the bankruptcy. s excellent? Is your ex-husband along with toward mortgage?

By the way if this sounds like another type of financing then the second financing (that you have not reaffirmed) shouldn’t do situation

financing came from 1990 that have parkway monetary. they ended up selling it to washinton shared in the 1996 roughly. arizona shared ended up selling to help you wells fargo in the december out of just last year. 2nd financing is family collateral loan with this domestic.

ex lover is found on each other finance & registered personal bankruptcy with me, but he never arrived when you look at the courtroom getting latest hearings towards the often case, therefore the bankruptcy proceeding experienced in my identity merely & separation went through as a default. he could be an alcoholic who fell apart & cannot package the separation and divorce and/or case of bankruptcy.

when i name wells fargo i have to tune in to the fresh bankruptcy disclaimer. i guess it is because this new a bankruptcy proceeding is on my borrowing declaration up to 2009, but it’s possible that this financing is actually never reaffirmed. we honestly can’t think about. hitting thus lots of economic setbacks over the years i have already been on a single cost bundle just after a different sort of. they just remaining performing you to definitely fees bundle after yet another. in addition to, washington mutual changed this mortgage inside 2003 when i missing my work & try out of work to have 9 months. my ex signed those files & it went through with no questions asked.

i entitled so it a.yards. & wells fargo said this new amendment are acknowledged, but there’s problems – she had no tip precisely what the condition they. she told you the person handling the loan doesn’t simply take calls & i need to hold back until they contact myself. she mentioned a number of slight problems that cause delays, like taxes went upwards and so the escrow commission must alter.

i do not appreciate this processes otherwise terminoligy. she told you it actually was recognized, however, seem to it is not commercially acknowledged to date. seem like i’m able to nevertheless be rejected. have always been we completely wrong? if it is recognized carry out they simply work-out the fresh snags you to definitely come along it method from the reveiw process?

i am very worried today on the loosing my personal house. we have 4 students & way of life we have found much less expensive than simply taking an apartment such weeks. as well as i’ve 50-80k security which i perform hate so you can sagging.

Do not worry so much. In case your Wells Fargo said your amendment is accepted, then you certainly will be waiting and see what happens. Now is your house taxation is actually paid off and you will cleaned. I do believe it the problem that they’re it comes. Otherwise next shell out they Today. Tax lien in the event the basic lien and should be given extreme concern.

You might Query To speak To your Management. It is common one to specific negotiators dont bring arriving phone calls from you. However, at this point you have to be requesting a beneficial management. Brand new supervisor/manager will get brand new responses and you may facts for you, no matter if he’s to track down all of them about underwriting service.