JPMorgan CHASE STOPS FORECLOSURES!!!

[discouraged]

well actually discourgaged in light of this "new" fraud situation i would ask chase to supply you with all supporting documents in your agreement.

i know now...chase apparently doesn't even have mine...and like everyone's saying, if they commited fraud, they really can't make a move.

unfortunately, with the 2nd i would contact them and ask for copies of everything....even if you have to go and answer a summons you could delay and stall......but you didn't mentioned have you filed BK??? are you going to if not.....and if you are, are you surrendering or reaffirming your house???

Tobee - I haven't filed yet. Should have the money by the end of the month. And no - not reaffirming the house. It WAS a good deal when I bought it for 98,000 and it was appraised at 124,000. Now the tax rate is for 85,000 for next year but the actual appraisal stands more at 50,000. No, they can have it. I don't even what to talk to Chase (the 2nd) but will ask my lawyer when we finally get this going.

[tobee43]

yes, i hear you about not wanting to talk to chase....here are some of the numbers i was told to call



800-GO2-NOPlaceChase
866-END-OFLINE
877-WE-DONOTCARE
888-Will-NEVERHELPU
800-IDO-NOTKNOWHATIAMDOING
866-CHASE-HELL
877-UTHINK-WECARE

actually really honestly we have over 27 numbers to no where!!

so you right...don't even bother!

[catleg]

As far as I know the mortgage servicer is responsible for paying taxes and insurance.
And more and more cities are requiring them to maintain abandoned properties (cut the grass).
My suspicion is that a lot of original documents were lost when companies went belly up.
I think with electronic document filing the plaintiff attorneys have a lot of leeway to "manufacture" fraudulent documents.
Most of the time people just default and no one is the wiser.
In the rare cases where the defense attorney demands to see an original document the case is probably dropped,
then they have to go find the original documents and refile.
I think up till now courts gave plaintiff's a lot of slack in this regard.
Maybe now that this is such a public issue and the courts' integrity is at stake, the tipping point has been reached.
They won't give people free houses, but it could result in many "Mexican standoffs" where they can't foreclose but the owner can't sell the house either.

[tobee43]

well cat, for me, i don't WANT to sell the house...i would just like our names off the deed...which is really my problem and my COD nature because i have no responsibility to them financially.

i tried to explain to them i felt like i had a moral obligation to resolve this, so the lady tried to take advantage of that and say.....well reaffirm...yeah right...when hell freezes over maybe.....

i agree this is going to get very interesting...

GOVERNMENT BAILOUT FOR BANKS THAT COMMITTED FRAUD....while you and i would go to jail if we stole a carton of milk to feed our families!!

[discouraged]

That would be interesting. I wouldn't mind staying in my house, even though it needs a lot more work. I remodeled it to the point (new insulatin, wallboard, siding, roof) where the utilities have gone from 300 month first year to 70 month current. So it's a comfortable place to live, if you don't mind the non painted walls - I quit when I realized I wasn't going to be able to keep it.

[tobee43]

As far as I know the mortgage servicer is responsible for paying taxes and insurance.
And more and more cities are requiring them to maintain abandoned properties (cut the grass).
My suspicion is that a lot of original documents were lost when companies went belly up.
I think with electronic document filing the plaintiff attorneys have a lot of leeway to "manufacture" fraudulent documents.
Most of the time people just default and no one is the wiser.
In the rare cases where the defense attorney demands to see an original document the case is probably dropped,
then they have to go find the original documents and refile.
I think up till now courts gave plaintiff's a lot of slack in this regard.
Maybe now that this is such a public issue and the courts' integrity is at stake, the tipping point has been reached.
They won't give people free houses, but it could result in many "Mexican standoffs" where they can't foreclose but the owner can't sell the house either.

oh...and cat our house in new jersey

[tobee43]

That would be interesting. I wouldn't mind staying in my house, even though it needs a lot more work. I remodeled it to the point (new insulatin, wallboard, siding, roof) where the utilities have gone from 300 month first year to 70 month current. So it's a comfortable place to live, if you don't mind the non painted walls - I quit when I realized I wasn't going to be able to keep it.

yes...shoot...had i known now what i know...we could have stayed forever...LOL!!!

but it was TOO cold and it was time to leave for us. actually after 33 years past due.

if i were you i would stay and keep the bucks until they throw you out! you'll be with excellent company...

[discouraged]

I'm sure that is what I am going to do. My neighbors are heartsick because I have been the best neighbor they have ever had so they will be happy that I'm not leaving 'tomorrow'. Lol. I have put so much into this place - oh well, it's been a real learning experience. I don't mind the cold - not since I insulated the place.

[tobee43]

I'm sure that is what I am going to do. My neighbors are heartsick because I have been the best neighbor they have ever had so they will be happy that I'm not leaving 'tomorrow'. Lol. I have put so much into this place - oh well, it's been a real learning experience. I don't mind the cold - not since I insulated the place.

well we lived in our neighborhood for ove 33 years and didn't even know our neighbors' NAMES....that's NOT the way it was when we first moved in and raised the kids. it was a great place.

but as time when on new people moved in and we just never got to know them. most people moved out because who the HECK needs a 10 room house to clean and maintain....but we were in no position to leave even when it was good because of our jobs.

it was SO funny....when some of the neighbors saw the moving van come...then came over...and finally introduced themselves...LOL!!!!!!!!!!!! they asked where we were going.....well, there were at least 5 neighbors that asked and each one was told a different state....

i did mind the cold because we had a HUGE driveway to maintain and it was difficult all the way around. the ice was terrible and dangerous...and we are just TO old for this stuff!! LOL

so i'm happy we are gone..we did put a lot and took pride in the house, but after all it was getting old and the harsh winters had taken their toll so the house was badly in need of extremely expensive repairs although it looked perfect...we knew better. once you start having flooding, septic and leech field problems it's just a matter of time...it just begins to..( no pun intended)...snowballs...LOL!!!


best of luck discouraged...stay as long as you can!

[discouraged]

I hear you tobee. I'm a single "older" (57) woman and the neigbors always take care of my shoveling. The kids next door have parents my age and I think the wife makes him do it! They also help with lawn care because I have a vegetable garden and share what grows. Their little girl treats me like a gramma and helps with the garden.

I live in a semi-middle class neighborhood and we had a rental property that turned into a drug house. We ALL got involved and forced the police and the city to close it down. I think it brought us all closer because nothing like that had happened before and now we all watch out for each other. It's going to be sad to leave them but...do not mind giving back the upside down house.

[tobee43]

I hear you tobee. I'm a single "older" (57) woman and the neigbors always take care of my shoveling. The kids next door have parents my age and I think the wife makes him do it! They also help with lawn care because I have a vegetable garden and share what grows. Their little girl treats me like a gramma and helps with the garden.

I live in a semi-middle class neighborhood and we had a rental property that turned into a drug house. We ALL got involved and forced the police and the city to close it down. I think it brought us all closer because nothing like that had happened before and now we all watch out for each other. It's going to be sad to leave them but...do not mind giving back the upside down house.

yes, change at our age...we are about the same is not alway easy. it sounds as though you at least had some friends in the area.... a drug house??? holy cow. what a mess that must have been for you!


i'm just wondering what the banks are going to do with all these properities????

[justbroke]

Well, for those who want to stay in their homes longer, this is good news. However, it appears to be a paperwork issue and they stil concede that you'll still lose your home... it will just take some time. Those that live in the "judicial" foreclosure States (23 of them, of which Florida is one), are very lucky.

[tobee43]

Well, for those who want to stay in their homes longer, this is good news. However, it appears to be a paperwork issue and they stil concede that you'll still lose your home... it will just take some time. Those that live in the "judicial" foreclosure States (23 of them, of which Florida is one), are very lucky.

jb....is new jersey one?????

a judicial state...i mean i know it's a mob state...and a criminal state....but i know that jersey was one that was listed first as one of the states originally halted with the procedure.

i know we had to move down here and get our 2 years in before filing...since we were better off...but the house we own is still there...even our atty has no clue.

[justbroke]

These are the "lucky" 23:

Connecticut, Delaware, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Nebraska, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Vermont and Wisconsin.

[tobee43]

These are the "lucky" 23:

Connecticut, Delaware, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Nebraska, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Vermont and Wisconsin.

we're THERE!!! ok...now jb.....what is it i'm so excited about being included in????? LOL!!!

please tell me...i'm certain it will explain why chase and this government task force cannot give me answers as to why they will not accept my warranty deed and general release...or simply just foreclose....

please explain if you would be so kind!!