legal advice to clear a judgement filed in error against me!!?

Dec 292011
 

I live in the state of Texas. I am attempting to modify my mortgage loan to get caught up on payments. I have been notified that there is a judgment against my husband who has a very common name. It is from a vehicle finance company (Ford) we have never done business with. I have been to the county clerks office to get some information on it. It is clearly not my husband. It is almost impossible to get a hold of the mortgage company (wells fargo) to get some answers. The negotiator working on my case wants this forms stating we are cleared within five business days. I am lost!! i am not sure what to mail him since the county clerks office states they can not give me anything stating we are clear since the judgment is not clear. I was told to get a “not me affidavit” I do not know where I can get one. Could someone please give me some advice so my anxiety can go away, lol. Seriously thanks!

Which big bank is safe to put you money in?

Dec 252011
 

9-15-08
Bank of America, Wells Fargo, Washington mutual? A lot of the finance companies are crashing down due to mortgages and housing market… So in today’s economic times, which bank do you think is actually safe and also reliable that the bank won’t go bankrupt?

I wonder if personal banker do money out of home mortgages like loan officers?

Dec 242011
 

In special wells fargo personal bankers

Has anyone received a home mortgage from wells fargo?

Dec 222011
 

Our credit isn’t that good, and I am wanting 100% financing. We have very little debt, and good income. I have heard a few people say its a good company.

Can mortgage company modify for more than home is worth?

Dec 182011
 

My home is financed through Wells Fargo. I lost my job last year and WF gave me an 8 month deferment. However, they added what I hadn’t paid for those 8 months onto the back of the loan and now I owe more than the home is worth. Is this legal? My payment is lower, but the payments are only $ 20 less than before, which still doesn’t help. A friend of mine was in the exact same circumstance as me (not sure who her mortgage co. is) and when they remodified her loan, her payment was cut in half!

What is the best finance company to work for?

Dec 102011
 

As the mortgage market is slow I was considering getting a job for a finance company.
For personal finance loans, i.e., American General, HFC, Wells Fargo Financial.

What is the best mortgage company?

Dec 072011
 

I’m looking into buying a home and went to bank of America because I bank with them and wanted to keep all my finance in one house. I am now doing some research as to the best company to take out a mortgage with and seems people have had major problems with them. I spoke to people in VA, and FL and they were all anti bank of America.

I’m now looking into Wells Fargo and wanted some opinions from home owners as to who worked out best for them.

Any information is helpful

Debt Relief Act of 2007?

Dec 052011
 

My ex partner and I bought a condo in Atlanta, Ga. However, we were forced to move because our jobs were ending and moved to Chicago because of job offers. We tried for two years to sell the property. We finally took it off the market and got approval from our HOA to rent the condo out. This helped us a little with the payments. Our mortgage is over $ 18,000 and the people renting the unit is paying $ 1,100. This does not include our HOA fees. We are now 4 months behind. We have been paying some but not the full amount each month. I have spoken to one bankruptcy attorney and he said I should file a chapter 7. However, I’m current on everything else and have had very good credit for a long time. I have no credit card debt. All I have is this mortgage that I no longer can pay and on a condo that I will never return too. I also have a car payment. I have tried to work with Wells Fargo to do a loan modification, we were rejected. The loan is for $ 254,000 and it’s currently on the market for $ 185,000. It’s been on the market for over 100 days and not one person we have yet to find a potential buyer. Now I have requested a deed-in-lieu. I’m told that I should file a chapter 7 bankruptcy otherwise the IRS will come after me and the bank may come after me for the difference. I need serious help and advice as I do not know what my options are. I don’t own any other properties and am wondering if my condo is considered an investment property even though we did not buy it for that reason. We have never made any money from the renters. Even though we were forced to move for jobs does this mean that our apartments is considered our “second” home?? I can’t seem to find anyone who can tell me if I qualify for the debt relief act of 2007. Can you help me or help me get in contact with someone who can help me?

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