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How come here an illogical dual standard whenever it comes down to reporting into the credit agencies after BK?

How come here an illogical dual standard whenever it comes down to reporting into the credit agencies after BK?

How to settle an currently settled loan?

(we had answered prior to, but it didn’t appear to publish if it will later on, forgive any replication) exactly why is there an illogical double standard with regards to reporting towards the credit reporting agencies after BK? If the BK is last, the mortgage is settled, beside me, the bankrupt individual nothing that is owing. That is, i suppose, the reason why, in the event that financial obligation isn’t reaffirmed, it doesn’t find yourself in the credit file. Therefore, I cannot buy get redirected here it out without reaffirming it) why is that reported to the credit bureau if I buy out the LEIN (not the loan, because the debt does not exist any more, so?

How do I settle a currently settled loan? Fling chapter 7 Bankruptcy and from now on trying the clean up your credit file, the illogical standard that is double in comparison to “clearing a head industry”. Odds are the lien or debt had been in the credit history ahead of the bankruptcy. Your report has information that is old has to be updated. The duty of cleaning your credit file falls you. In the event that you settled on liens, to need certainly to dispute and deliver a lien satisfaction letter s to your credit reporting agencies. I experienced a similar situation with a customer, and also consulted with ModSpec. Within the final end, things would not get well for the debtor.

Borrower re affirmed very first home loan, did absolutely absolutely nothing because of the mortgage that is second. No reporting that is negative her credit from brand brand brand new second lien owner. We finally contacted them together with to have the second lien “graded,” and created a ton of Mortgage lates: essentially none produced in three years. The organization keeping the lien failed to re classify it being an Installment financial obligation, it stayed home financing. Also though they never foreclosed or reported to credit reporting agencies, we got killed whenever we had to have the one thing rated. Lost her deposit, examination, appraisal charges. I’d a comparable situation with a customer, as well as consulted with ModSpec. Within the final end, things failed to get well for the debtor.

Borrower re affirmed very first home loan, did absolutely absolutely nothing aided by the 2nd home loan. No reporting that is negative her credit from brand brand new second lien owner. We finally contacted them and had to really have the second lien “graded,” and created a ton of Mortgage lates: fundamentally none built in 36 months.

The organization keeping the lien failed to re classify it being an Installment financial obligation, it stayed home financing. Also we got killed when we had to have the thing rated though they never foreclosed or reported to credit bureaus. Lost her deposit, examination, assessment charges.

Pfhtex or someone else You might manage to assist me right here. I am offering my house and missed the close date because of a second mortgage lien. We re modified my very first home loan last year not the second mortgage, that has been $31000. Never heard a plain thing from Homeq the lienholder on that certain. We kept having to pay my mortgage that is 1st after re modification. I am now offering the home and 2 times before shutting the name business came back and stated there is an unreleased lien on the second mortgage. Homeq may be out of company and Ocwen had been the initial lienholder who transferred second mortgage to Homeq right straight right back whenever I purchased the house. I happened to be extremely near to foreclosure straight right right back in ’09 and fortunately re modified with Bank of America. We certainly simply hardly conserved the homely household from property foreclosure. Bank of America did not re alter the second mortgage(Homeq) and I also never heard any such thing from their store once again.

Homeq happens to be away from company and ended up being servicing the second mortgage during 2009 and there is nevertheless a lien regarding the second mortgage. Ocwen supposedly bought them down in 2010. Ocwen does not have any record of buying back once again the mortgage. I can not shut on attempting to sell the house now until I discover recognise the business can give me a payoff to obtain the lien released. I am at a dead end. Did Homeq compose it well I foreclosed on the 1st mortgage and if so, how do I figure it out when Homeq is out of business before they went out of business thinking? Certainly i am perhaps maybe perhaps not the only individual in america that it has occurred to. Please advise, I would enjoy it. I’M WANTING TO CLOSE BACK AT MY HOME SELL QUICKLY.

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