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    1. B

      determining liability?

      I am in Ohio. My husband and son were recently in an accident ( over two weeks ago). The other driver was cited and given a ticket for failure to yield. The driver paid her ticket and her insurance company began collecting info from us for our claim. Now she says she is not at fault. This would...
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      mortgage company in violation?

      AFter filing bankruptcy ( in Ohio) on Sept 21st. My mortgage company mailed out a collection letter to me postdated Oct 1st. Is this a violation of the automatic stay? Should my lawyer be notified? Five days later, they filed for motion for relief of stay after which my lawyer told them we...
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      mortgage company relief from stay

      I live in Ohio. We filed bankruptcy on Sept 21. We are now just a few days over the 60 day late mark on our mortgage. We have no equity. We intend to have our mortgage payment current by our 341 meeting on Oct. 24th. Today I received a notice of motion for relief of stay and abadonment from the...
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      two verizon accounts, one in collections...

      My husband and I have a Verizon cell phone account that we intend to keep and have been paying on. Shortly after we signed on for our accounts, my husband opened one for our daughter in his name. She ended up losing her job and was unable to pay the bill and it has gone to a collection agency...
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      collection agency pulling my credit report

      We informed one of our creditors recently that we intend to file bankruptcy. This was not an easy decision but we feel it is our only option at this point. Upon hearing this, one of our creditors pulled our credit report and called me, read it to me over the phone and tried to talk me out of the...
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      a few questions re bankruptcy

      As for disposable income, would my SSI disability count? Also being housebound due to a disability, would my giving my husband power of attorney allow him to represent me in court and the creditor's meeting? We also had a bankruptcy ten years ago and it is supposed to come off of our credit...
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      NSF fee taken out of my account

      Thanks again for your time!
    8. B

      NSF fee taken out of my account

      Thank you Veronica! I don't have a problem with it, if it was legal. The woman at the bank did say that she thought they would have a sign up at this particular store. Have a nice weekend!
    9. B

      NSF fee taken out of my account

      No, no slip was signed and the check was not voided out and handed back. My bank is usually very reliable, but recently merged with another bank and now everything is live and confusing. The fact that really made me wonder was that both 30.00 fees were posted under the same check numbers. In the...
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      NSF fee taken out of my account

      I was checking my bank account and noticed two checks had cleared in the amount of 30.00. I knew that these checks had already been paid by my bank in the amount of 9.58 and 22.19. The same check numbers were used twice, once for the check amount that I wrote and again for each 30.00 charge...
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      Class action suit

      Consumeraffairs.com has some info on mortgage litigation. Hope that helps!
    12. B

      Subsidy Recapture

      It is possible to subordinate the amount of the subsidy as a lien on the property to be paid only if the house is sold. However there are a lot of strict guidelines and I don't know if you would qualify. Two of the guidelines are no cash out directly to borrower and no other debts paid off. In...
    13. B

      I want to trust my lawyer, but...

      No actually I am pretty sure that they are on pins and needles making our case their top priority! LOL
    14. B

      I want to trust my lawyer, but...

      Thank you. I have spoken with him about being more aggressive, but was told that the best approach is to be patient. I just wanted to make sure that it wasn't being neglected. So for now, we will sit tight and wait for a response. At least they must be considering our evidence or I think they...
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      I want to trust my lawyer, but...

      I have had a dispute with my mortgage company since the beginning of October. My lawyer took our case to try and work out a settlement for the mortgage co.'s negligent handling of our loan origination. This lawyer informed me that mistakes were definitely made and we had a solid case. He...
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      Captured? Questions

      almost forgot to mention that in order for the subordination to be approved, the HUD 1 has to show no cash out directly to borrower as well as your lender not paying off any other debts. If you need the subordination for home improvements, they require the excess funds to be in an escrow account...
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      Captured? Questions

      I think that you may be talking about a USDA Rural Housing Service Loan. If the payment on the loan was subsidized, meaning lowered acccording to lower income, with part of the monthly payment being paid by the government, then, that subsidy, everything paid by the goverment, is subject to...
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      mortgage interest total deduction?

      Thank you! That clears things up for me. I guess in previous years, we took the standard deduction rather than itemizing. Just our mortgage interest alone is higher than the standard deduction this year, so I will make sure our accountant itemzes our deductions. Thanks for your reply.
    19. B

      mortgage interest total deduction?

      My husband is a self employed contractor. In the last few years, our accountant has only deducted a percentage of our mortgage interest pd and real estate taxes based on the size of my husband's office compared to our total house size. I always thought that mortgage interest was totally tax...
    20. B

      real estate taxes and homestead exemption

      We refinanced our property this year and now will be paying our real estate taxes directly whereas the previous lender included them in our house payment. Upon reviewing the bill, I saw mention of applying for a homestead exemption. I have had a full disability that has prevented me from gainful...

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