Request of courtesy notification of electronic filing ????

[TeacherMomma]

So this was on Pacer today. Who the heck is this guy and why does he want notification of documents filed in my Ch 7 case?
I googled him/his #/firm name and he is a BK specialist/Debt specialist. Is this a creditor's atty? Or is he a BK atty who wants to get info cause we are pro se, and wants to solicit his services to us?

[justbroke]

That's nothing but a request for notice. This one is benign and you can ignore them.

FYI, you should immediately remove or XXXXXX out any personal names. No "personal" names are allowed here... unless referencing a case through a citation.

[mindy0795]

Actually I used to do foreclosures and that was the attorney that we used to do foreclosures for our bank. Do you have a mortgage? If so are you behind?

[TeacherMomma]

We do have one, and we won't be late till Monday. We made a partial payment, not sure if they'll accept it, but the full payment is due Monday 6/15.
Would he be the atty for the mortgage co? (Litton) Well actually they are the servicer, we do not know who the investor is.

[justbroke]

They probably want notice in case you change your intentions on your property. However, right now, it's just an indication that they want to keep "informed" of the case, electronically.

[mindy0795]

Yes he is one of the many attorney's for Litton Loan Service, normally the investor would be Fannie Mae or Freddie Mac. As long as you are current not over 30 days past due you will be fine. Be aware this attorney does not mess around..... Good luck!

[TeacherMomma]

Mindy0795, Thanks for the info. My question now regarding being current is : Or what? As I mentioned we will be partially behind, if they accept the partial we paid this week, if not, then this will be our first time being behind. What will they do. We plan to pay the next payment in full, the month just sucked for many reasons.
What does he do to make you say he does not mess around?

[justbroke]

Generally speaking, unless you're in a repayment plan with the mortgage company, they'll never accept a partial payment. If they do, then let us know (may be a sign that the mortgage companies are getting desperate).

Maybe they were anticipating your late payment? Who knows. The thing is, you are exposed in a Chapter 7... meaning that if you don't pay, or don't redeem or reaffirm, you could be subjected to foreclosure.

If you did or are intending to reaffirm, or even "ride through", you need to get on top of this. It now seems as though they are aligning their ducks...

[willbfree]

Here's a link to a list of consumer complaints against Litton Loan Services. http://www.consumeraffairs.com/finance/litton_loan.html

[TeacherMomma]

We are not intending to refaffirm, just ride through because when this is over we (we were in the process of before filing, but it is halted) attempting a principal balance reduction, or loan modification. If those cannot be completed, then we will most likely walk away when this is discharged. We really don't know, that is the one thing that is up in the air. Like the house, want to stay, but not when Litton's investor buys the loan for 200K less than we owe and will do nothing to help us....the houses around us are selling for 200K and we owe 447K. They'd be much better off working with us, and we have stated our intentions in two letters to them that we would reaffirm the loan for an amount closer to the market value, and we want to continue to pay, live here, etc. But we don't want to reaffirm for obvious reasons - why reaffirm a loan that is 200K more than it is worth?
Well, I looked online and the automatic bank check I sent went through, but I no longer have access to my Litton online account so I cannot see what they did with it, or if they are sending it back. We'll see.
It was probably the worst month ever to be the first to pay partial on the mortgage, with our 341 on the 22nd.