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    #1

    Spoke to soon :(

    I swear can I catch a break, please?

    I just received a call at work from WF HELOC. Back in August I was told I could do a re-aging program to get current on the HELOC (12K). So the deal was that I was to make 4 monthly payments about 20 more than my normal payment and in Nov I would be current. Well this very rude lady called me today and said "Well what are you going to do about the past balance" I explained the re-aging program and she said "oh no that's not going to work - whoever told you that didn't know what they were talking about".

    So now they want me to pay $800 before the end of Oct. There goes my attorney money

    I left a message for the person I set up the re-aging with to call me so well see what happens.
    "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11
    Tags: None
    #2
    And what exactly happens if you don't pay 800 before the end of Oct?
    Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
    AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC

    Comment

      #3
      oh...i so hate these banks....what the heck is a matter with them.

      freddy....i know your busy and have a little one or ones....but GO to the BANK work with a FACE on this.......reverse this situation.

      they don't want another house....to sit and rot...believe me....but this is your second???? tell them to take a HIKE.....

      call you atty...about wanted to affirm your home...see what they say....everything should be signed before the bk is done anyway...so you need to get a REAL person who knows what they are doing.

      maybe your atty has a connection at the bank....it very well may surprise you!
      8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

      Comment

        #4
        I'm not sure. But I assummed that since I need to be current on my mortgage when I file I would think I should be current on the HELOC.

        I'm pretty sure they won't start the FC process over 12K but I don't want to chance it.
        "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

        Comment

          #5
          Freddy, this is not your mortgage, it's your second. Unless you have actual equity in the house that they can get by foreclosing and selling, there is no point to them. Try to get something in writing from the bank regarding the deal you have/had, and move forward with your attorney payments as planned.
          Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
          AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC

          Comment

            #6
            Originally posted by tobee43 View Post
            oh...i so hate these banks....what the heck is a matter with them.

            freddy....i know your busy and have a little one or ones....but GO to the BANK work with a FACE on this.......reverse this situation.

            they don't want another house....to sit and rot...believe me....but this is your second???? tell them to take a HIKE.....

            call you atty...about wanted to affirm your home...see what they say....everything should be signed before the bk is done anyway...so you need to get a REAL person who knows what they are doing.

            maybe your atty has a connection at the bank....it very well may surprise you!
            No I do not want to re-affirm the house...lol

            I was really surprised how rude she was. Every person so far at WF have been really nice.

            I'll wait and see what the guy says who made the arrangements with me.
            "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

            Comment

              #7
              Originally posted by ccsjoe View Post
              Freddy, this is not your mortgage, it's your second. Unless you have actual equity in the house that they can get by foreclosing and selling, there is no point to them. Try to get something in writing from the bank regarding the deal you have/had, and move forward with your attorney payments as planned.
              exactly this is YOUR second...go tell them to suck lemons...
              8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

              Comment

                #8
                Originally posted by Freddy03 View Post
                No I do not want to re-affirm the house...lol

                I was really surprised how rude she was. Every person so far at WF have been really nice.

                I'll wait and see what the guy says who made the arrangements with me.

                right you're doing the "pay and stay"....but you have to mark something on the petition.....

                here it's:

                redeem the property
                reaffirm the debt
                other.. for example, avoid lien using 11 U.S. C 522 (f)

                so which are you doing...redeem the property???

                send me that lady's number.....i'll give her something to think about..LOL!!
                8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                Comment

                  #9
                  Originally posted by tobee43 View Post
                  right you're doing the "pay and stay"....but you have to mark something on the petition.....

                  here it's:

                  redeem the property
                  reaffirm the debt
                  other.. for example, avoid lien using 11 U.S. C 522 (f)

                  so which are you doing...redeem the property???
                  I'm confused.........lol
                  "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

                  Comment

                    #10
                    Originally posted by Freddy03 View Post
                    I'm confused.........lol
                    Exactly. Take a breath, calm down, this is only your second, not your mortgage. Talk to your attorney, make sure he/she knows. I see no reason why you should alter your attorney payment plans.
                    Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
                    AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC

                    Comment

                      #11
                      Phew!!!!!! I just got a call from the person I set up the re-aging program with and he said it is fine. It was approved by the underwritting dept back in August and as long as I make one payment a month until Nov the account would be re-aged current.

                      He said he put a big note on the account for the phone calls to stop.
                      "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

                      Comment

                        #12
                        Originally posted by Freddy03 View Post
                        Phew!!!!!! I just got a call from the person I set up the re-aging program with and he said it is fine. It was approved by the underwritting dept back in August and as long as I make one payment a month until Nov the account would be re-aged current.

                        He said he put a big note on the account for the phone calls to stop.
                        GREAT news!!!!! now...have a relaxing weekend!!
                        8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                        Comment

                          #13
                          Freddy, you took me on a roller coaster ride. I was on the edge of my seat. Good luck with everything!
                          Filed August 20 341 on September 23 Report of No Distribution - September 24 Case Discharged and Closed on November 23!!!

                          Comment

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