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Evil lenders
Never Desiree, Never!
On Wed, Feb 22, 2012 at 1:05 PM, wrote:
> **
>
>
> ** Never
> Sent from my Verizon Wireless BlackBerry
> ------------------------------
> *Sender: * cdcbaa@yahoogroups.com
> *Date: *Wed, 22 Feb 2012 12:48:26 -0800
> *To: *
> *ReplyTo: * cdcbaa@yahoogroups.com
> *Subject: *RE: [cdcbaa] Evil lenders
>
>
>
> Well let me ask the other important questions (cause maybe I am wrong):
> ****
>
> ** **
>
> Would you have your client sign a mortgage reaffirmation in a Chapter 7?
> ****
>
> ** **
>
> And countersign it as the attorney of record?****
>
> ** **
>
> * *
>
> Desiree Causey, Esq.****
>
> Law Office of Desiree Causey****
>
> 17011 Beach Blvd., Suite 900****
>
> Huntington Beach, CA 92647****
>
> ** **
>
> 714-375-6663****
>
> 714-908-7646 (fax)****
>
> ** **
>
> ** **
>
> *From:* cdcbaa@yahoogroups.com [mailto:cdcbaa@yahoogroups.com] *On Behalf
> Of *Stella Havkin
> *Sent:* Wednesday, February 22, 2012 12:40 PM
> *To:* cdcbaa@yahoogroups.com
> *Subject:* RE: [cdcbaa] Evil lenders****
>
> ** **
>
> ****
>
> It is actually legally true. Unless the debt is reaffirmed, the debt is
> discharged as to debtor but not the real property. Even though the bank is
> receiving payments, it does not have to report the payments on the debtor> credit report. However, since the bank is receiving payments, it must
> issue an interest statement and the debtor can dispute the default on their
> credit report showing that he or she is current on the payments. ****
>
> ****
>
> *From:* cdcbaa@yahoogroups.com [mailto:cdcbaa@yahoogroups.com] *On Behalf
> Of *Desiree Causey
> *Sent:* Wednesday, February 22, 2012 12:33 PM
> *To:* cdcbaa@yahoogroups.com
> *Subject:* [cdcbaa] Evil lenders****
>
> ****
>
> ****
>
> My Chapter 7 client just called me in a panic. Bank of America told her
> she must sign a reaffirmation agreement for her secured home mortgage. I
> told her we were not going to sign a reaffirmation for her mortgage as they
> are secured by the deed of trust on the house. They then told her that if
> she did not sign a reaffirmation, her credit report would reflect that she
> had defaulted on the mortgage, even if she had not. ****
>
> ****
>
> The poor debtors are just getting slammed with bad info out there. What
> can be done?****
>
> ****
>
> * *****
>
> Desiree Causey, Esq.****
>
> Law Office of Desiree Causey****
>
> 17011 Beach Blvd., Suite 900****
>
> Huntington Beach, CA 92647****
>
> ****
>
> 714-375-6663****
>
> 714-908-7646 (fax)****
>
> ****
>
> ****
>
> ****
>
>
>
R. Grace Rodriguez, Esq.
OFF: (818) 734-7223
CEL: (818) 554-9922
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Never Desiree, Never!On Wed, Feb 22, 2012 at 1:05 PM, <havkinlaw@earthlink.net> wrote:
NeverSent from my Verizon Wireless BlackBerryFrom: "Desiree Causey" <causeylaw@gmail.com>
Sender:
The post was migrated from Yahoo.
Well let me ask the other important questions (cause maybe I am wrong):
Would you have your client sign a mortgage reaffirmation in a Chapter 7?
And countersign it as the attorney of record?
Desiree Causey, Esq.
Law Office of Desiree Causey
17011 Beach Blvd., Suite 900
Huntington Beach, CA 92647
714-375-6663
714-908-7646 (fax)
The post was migrated from Yahoo.
It is actually legally true. Unless the debt is reaffirmed, the debt is
discharged as to debtor but not the real property. Even though the bank is
receiving payments, it does not have to report the payments on the debtor's
credit report. However, since the bank is receiving payments, it must
issue an interest statement and the debtor can dispute the default on their
credit report showing that he or she is current on the payments.
The post was migrated from Yahoo.
My Chapter 7 client just called me in a panic. Bank of America told her she
must sign a reaffirmation agreement for her secured home mortgage. I told
her we were not going to sign a reaffirmation for her mortgage as they are
secured by the deed of trust on the house. They then told her that if she
did not sign a reaffirmation, her credit report would reflect that she had
defaulted on the mortgage, even if she had not.
The poor debtors are just getting slammed with bad info out there. What can
be done?
Desiree Causey, Esq.
Law Office of Desiree Causey
17011 Beach Blvd., Suite 900
Huntington Beach, CA 92647
714-375-6663
714-908-7646 (fax)
My Chapter 7 client just called me in a panic. Bank of
America told her she must sign a reaffirmation agreement for her secured home
mortgage. I told her we were not going to sign a reaffirmation for her
mortgage as they are secured by the deed of trust on the house. They then
told her that if she did not sign a reaffirmation, her credit report would
reflect that she had defaulted on the mortgage, even if she had
not.
The poor debtors are just getting slammed with bad info out there.
What can be done?
Desiree Causey, Esq.
Law Office of Desiree Causey
17011 Beach Blvd., Suite 900
Huntington Beach, CA 92647
714-375-6663
714-908-7646 (fax)
The post was migrated from Yahoo.