Comments for Mortgage Modification - Bankruptcy - Creative Financing http://mortgage-modification-attorney.com By James Robert Deal - Attorney Tue, 24 Jan 2012 23:23:29 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on Vericrest Financial by James Robert Deal http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-8545 James Robert Deal Tue, 24 Jan 2012 23:23:29 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-8545 From James: I cannot answer questions like these because I do not know all the relevant facts and because I am not practice law in your state. However, all of you are welcome to use this as a place where you can post questions. I try to answer some of your questions, but doing so does not create an attorney - client relationship. My general advice is to find an attorney in your own state who understands workouts, modification, bankruptcy, and real estate law. It may take some looking. James From James: I cannot answer questions like these because I do not know all the relevant facts and because I am not practice law in your state.

However, all of you are welcome to use this as a place where you can post questions.

I try to answer some of your questions, but doing so does not create an attorney – client relationship.

My general advice is to find an attorney in your own state who understands workouts, modification, bankruptcy, and real estate law. It may take some looking.

James

]]> Comment on Vericrest Financial by Arturo http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-8544 Arturo Tue, 24 Jan 2012 16:27:42 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-8544 Please give me ideas. I was with Citi and in a trial period for a modification. Trial period payments made automatically for Sept, Oct and Nov. 2011. During end of trial period Vericrest bought loan. Citi took Nov payment and I was to start paying Vericrest in Dec. Spoke to Vericrest in November and they would not honor any of Citi's commitments and told me to apply for a mod. (i was behind with Citi). Started paperwork, and on Dec 22, they started foreclosure process. Jan 24 i was told the mod was denied. Trying to go up their corporate ladder. Home in Utah. What are my options? Please give me ideas. I was with Citi and in a trial period for a modification. Trial period payments made automatically for Sept, Oct and Nov. 2011. During end of trial period Vericrest bought loan. Citi took Nov payment and I was to start paying Vericrest in Dec. Spoke to Vericrest in November and they would not honor any of Citi’s commitments and told me to apply for a mod. (i was behind with Citi). Started paperwork, and on Dec 22, they started foreclosure process. Jan 24 i was told the mod was denied. Trying to go up their corporate ladder. Home in Utah. What are my options?

]]> Comment on Problems Continue with HAMP by James Robert Deal http://mortgage-modification-attorney.com/problems-continue-hamp/comment-page-1/#comment-8526 James Robert Deal Fri, 20 Jan 2012 21:33:55 +0000 http://mortgage-modification-attorney.com/?p=1054#comment-8526 You are in New York. I am in Washington, so I cannot represent you. I suggest you consult with a New York attorney experienced in workouts. You must be two months behind to qualify for HAMP. That is a HAMP requirement. Your current income must be enough so that 31% of your income will amortize your balance owing at 2% with a 480 month amortization. Your income can be a little less than that, in which case there would be a balloon payment at the end. Good luck. You are in New York. I am in Washington, so I cannot represent you. I suggest you consult with a New York attorney experienced in workouts. You must be two months behind to qualify for HAMP. That is a HAMP requirement. Your current income must be enough so that 31% of your income will amortize your balance owing at 2% with a 480 month amortization. Your income can be a little less than that, in which case there would be a balloon payment at the end. Good luck.

]]> Comment on Problems Continue with HAMP by Dave Rill http://mortgage-modification-attorney.com/problems-continue-hamp/comment-page-1/#comment-8525 Dave Rill Fri, 20 Jan 2012 21:03:59 +0000 http://mortgage-modification-attorney.com/?p=1054#comment-8525 HAMP is crap. Applied in October. Was rejected today. First OWB said since I have never missed a payment I am not in danger and don't need help. Then they said my income was too low since I am obviously in distress. Then they offered info on a short sale or deed in lieu. They suck and the program holds out false hope. HAMP is crap. Applied in October. Was rejected today. First OWB said since I have never missed a payment I am not in danger and don’t need help. Then they said my income was too low since I am obviously in distress. Then they offered info on a short sale or deed in lieu. They suck and the program holds out false hope.

]]> Comment on Vericrest Financial by Lyann http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-8482 Lyann Mon, 16 Jan 2012 22:35:49 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-8482 I don't know what if anything we can do to help. But I am so angry at Vericrest and so sad for any struggling homeowner that gets jerked around by these people. They are operating in bad faith. After going around and around forever (first we don't make enough money and then we make too much) applying for loan mod after loan mod, we were rejected for making too much. They wouldn't accept anything less than payment in full of all attorney fees, late payments and so forth. We were with Citi and then it was transferred to Vericrest. I think we were in a pool that was with CIT and made it's way to a Lonestar portfolio. Some noodling around the net reveals that Lonestar is run/owned by the Bass Brothers of Fort Worth TX. They like to operate behind the scenes. Their claim to fame to investors is that they can liquidate these portfolios they buy for 20 cents on the dollar at the lowest possible cost. They are using illegal and immoral tactics and treating struggling homeowners like crap. In the end, we are avoiding foreclosure thanks to generous family members. Those families that have to stand up to this crowd on their own are in a terrible place. I tried for 2 years. I want them held accountable. I want people to know who the Bass Brothers really are. I want people put in jail. We have four sons and are self employed. I got cervical cancer and we struggled for a short time. I won't go through the whole saga but we did everything humanly possible to work with them to get back on track and at every turn were jerked around. They finally admitted that as we weren't underwater, they wouldn't work with us for anything short of a full pay out. Let me know what if anything we can do to help the cause. Good luck! I don’t know what if anything we can do to help. But I am so angry at Vericrest and so sad for any struggling homeowner that gets jerked around by these people. They are operating in bad faith. After going around and around forever (first we don’t make enough money and then we make too much) applying for loan mod after loan mod, we were rejected for making too much. They wouldn’t accept anything less than payment in full of all attorney fees, late payments and so forth. We were with Citi and then it was transferred to Vericrest. I think we were in a pool that was with CIT and made it’s way to a Lonestar portfolio. Some noodling around the net reveals that Lonestar is run/owned by the Bass Brothers of Fort Worth TX. They like to operate behind the scenes. Their claim to fame to investors is that they can liquidate these portfolios they buy for 20 cents on the dollar at the lowest possible cost. They are using illegal and immoral tactics and treating struggling homeowners like crap. In the end, we are avoiding foreclosure thanks to generous family members. Those families that have to stand up to this crowd on their own are in a terrible place. I tried for 2 years.

I want them held accountable. I want people to know who the Bass Brothers really are. I want people put in jail. We have four sons and are self employed. I got cervical cancer and we struggled for a short time. I won’t go through the whole saga but we did everything humanly possible to work with them to get back on track and at every turn were jerked around. They finally admitted that as we weren’t underwater, they wouldn’t work with us for anything short of a full pay out.

Let me know what if anything we can do to help the cause. Good luck!

]]> Comment on Vericrest Financial by chad http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-8453 chad Thu, 12 Jan 2012 15:33:23 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-8453 I had a loan with Citi for six years and then it was sold to Vericrest financial. Here is the rub of it all. I am going back to school full time and just about done and got behind by a month and a half. Talked to Citi and they were going to let me pay those two months over twelve months and start in December. I get a certified letter on Dec. 23rd from Vericrest saying I was two months behind and that I needed to get it resolved by January 11th. I called them and said if I don't have anything in writing from Citi tough, bite wood. I called Citi to resolve and they basically said they dropped the ball and there was nothing they could do about it. I made the payment and then tried to set up payment to get thing current but after the date of Jan. 11th and was told that the new date was Jan. 14th and if I don't make payment by then, they don't know what will happen. What? I have the funds to get current and remain current and only two months behind. The rep. from Vericrest told me to call back after the 14th to see what is next. Couldn't really tell me. What? I am a customer trying to make good and they act like they can't take my money. I will admit I am at fault for getting behind but I AM not trying to be a deadbeat. I have been in this house for close to 11 years and live in a economically depressed area, so home value is dropping. My house is now valued by the county for tax purposes at the same amount as when I purchased the home. I know my house is not valued at the appraisal on my refinance. I have a great interest rate of 4%. Anyone have any ideas or suggestions. I just can't believe they won't or can't take my money. I had a loan with Citi for six years and then it was sold to Vericrest financial. Here is the rub of it all. I am going back to school full time and just about done and got behind by a month and a half. Talked to Citi and they were going to let me pay those two months over twelve months and start in December. I get a certified letter on Dec. 23rd from Vericrest saying I was two months behind and that I needed to get it resolved by January 11th. I called them and said if I don’t have anything in writing from Citi tough, bite wood. I called Citi to resolve and they basically said they dropped the ball and there was nothing they could do about it. I made the payment and then tried to set up payment to get thing current but after the date of Jan. 11th and was told that the new date was Jan. 14th and if I don’t make payment by then, they don’t know what will happen. What? I have the funds to get current and remain current and only two months behind. The rep. from Vericrest told me to call back after the 14th to see what is next. Couldn’t really tell me. What? I am a customer trying to make good and they act like they can’t take my money. I will admit I am at fault for getting behind but I AM not trying to be a deadbeat. I have been in this house for close to 11 years and live in a economically depressed area, so home value is dropping. My house is now valued by the county for tax purposes at the same amount as when I purchased the home. I know my house is not valued at the appraisal on my refinance. I have a great interest rate of 4%. Anyone have any ideas or suggestions. I just can’t believe they won’t or can’t take my money.

]]> Comment on Vericrest Financial by Tammy http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-8400 Tammy Wed, 04 Jan 2012 21:30:18 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-8400 <a href="#comment-3977" rel="nofollow">@Les </a> My loan was just sold by Citi to LSF7 Bermuda NPL Trust VII and serviced by Vericrest. There is a connection b/t Vericrest and CitGroup. Also, I researched the SEC site and found that the Trust shown here is owned by Lone Star Funds VII with linkage to another Lone Star entity. I'm just trying to locate my PSA.... no luck. @Les
My loan was just sold by Citi to LSF7 Bermuda NPL Trust VII and serviced by Vericrest. There is a connection b/t Vericrest and CitGroup. Also, I researched the SEC site and found that the Trust shown here is owned by Lone Star Funds VII with linkage to another Lone Star entity. I’m just trying to locate my PSA…. no luck.

]]> Comment on Banker Admits Making Bad Loans by Why Are Adjustable Rate Mortgages Bad Loans? The Truth About What the ARM Loan Can Do to You « Bad Credit Loans Pros http://mortgage-modification-attorney.com/banker-admits-making-bad-loans/comment-page-1/#comment-7900 Why Are Adjustable Rate Mortgages Bad Loans? The Truth About What the ARM Loan Can Do to You « Bad Credit Loans Pros Sat, 03 Dec 2011 03:16:03 +0000 http://mortgage-modification-attorney.com/?p=1016#comment-7900 [...] Yet what is scandalous is the basic unfairness of what has transpired. The federal government rescued highly paid bankers from their reckless decisions. It protected bank shareholders and creditors. But it mostly turned a cold shoulder to some of the most vulnerable and least sophisticated people in America. Last year alone, banks seized more than one million homes.Source: mortgage-modification-attorney.com [...] [...] Yet what is scandalous is the basic unfairness of what has transpired. The federal government rescued highly paid bankers from their reckless decisions. It protected bank shareholders and creditors. But it mostly turned a cold shoulder to some of the most vulnerable and least sophisticated people in America. Last year alone, banks seized more than one million homes.Source: mortgage-modification-attorney.com [...]

]]> Comment on Vericrest Financial by James Robert Deal http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-7799 James Robert Deal Tue, 29 Nov 2011 23:38:50 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-7799 From James: If you have equity in the property lenders are generally not interested in helping you with a modification. They will probably give you a forbearance, which increases your payment. You can file a Chapter 13 bankruptcy, which also increases your payment because you pay your regular payment plus your arrearage. You have 36 to 60 months to get caught up on your arrearage. Even under Making Home Affordable, if you have significant equity, you get no help. If you are over 62, consider a reverse mortgage. From James: If you have equity in the property lenders are generally not interested in helping you with a modification. They will probably give you a forbearance, which increases your payment. You can file a Chapter 13 bankruptcy, which also increases your payment because you pay your regular payment plus your arrearage. You have 36 to 60 months to get caught up on your arrearage. Even under Making Home Affordable, if you have significant equity, you get no help. If you are over 62, consider a reverse mortgage.

]]> Comment on Vericrest Financial by Becky McCadden http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-7797 Becky McCadden Tue, 29 Nov 2011 22:57:10 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-7797 We have been denied a loan mod. with Vericrest for the 3rd time and the reason given was that we have too much equity. Our loan to value is only 47%. They told us on more than one occasion that if we owed more than the house was valued they would offer us other options but they suggested that we just sell the house. They only wanted full reinstatement. They are by far the worst lender that we have ever had to deal with. They are not bound by any of the HOME SAVE programs that are made available by other lenders. This has been the worst financial matter we have ever been involved in in or entire lives. Their motivation is greed and there is something wrong with that. We have been denied a loan mod. with Vericrest for the 3rd time and the reason given was that we have too much equity. Our loan to value is only 47%. They told us on more than one occasion that if we owed more than the house was valued they would offer us other options but they suggested that we just sell the house. They only wanted full reinstatement. They are by far the worst lender that we have ever had to deal with. They are not bound by any of the HOME SAVE programs that are made available by other lenders. This has been the worst financial matter we have ever been involved in in or entire lives. Their motivation is greed and there is something wrong with that.

]]> Comment on Declining Suburban Property Values by Declining Suburban Property Values | Mortgage Modification … | Denver Real Estate http://mortgage-modification-attorney.com/declining-suburban-property-values/comment-page-1/#comment-7709 Declining Suburban Property Values | Mortgage Modification … | Denver Real Estate Sat, 26 Nov 2011 16:12:08 +0000 http://mortgage-modification-attorney.com/?p=1012#comment-7709 [...] Declining Suburban Property Values | Mortgage Modification … Categories: Capitol Hill Real Estate - Tags: atlanta, capitol hill real estate, columbus, [...] [...] Declining Suburban Property Values | Mortgage Modification … Categories: Capitol Hill Real Estate – Tags: atlanta, capitol hill real estate, columbus, [...]

]]> Comment on How Does Creative Financing Work? by James Robert Deal http://mortgage-modification-attorney.com/creative-financing/creative-financing-work/comment-page-1/#comment-7649 James Robert Deal Thu, 24 Nov 2011 12:57:38 +0000 http://mortgage-modification-attorney.com/?page_id=800#comment-7649 Rodney, I am licensed only in Washington. For me to help you in Colorado, you would have to hire another attorney there to backstop me. Is there an attorney who has worked for you who would like to learn about this field of law? The lawyer you will need in Colorado would not have to be a real estate lawyer or even an experienced lawyer. The young ones can be excellent. Sometimes they will backstop me for free just to learn about the loan mediation or modification or wrap-around transactions, areas I am pretty good in. Rodney,

I am licensed only in Washington. For me to help you in Colorado, you would have to hire another attorney there to backstop me. Is there an attorney who has worked for you who would like to learn about this field of law? The lawyer you will need in Colorado would not have to be a real estate lawyer or even an experienced lawyer. The young ones can be excellent. Sometimes they will backstop me for free just to learn about the loan mediation or modification or wrap-around transactions, areas I am pretty good in.

]]> Comment on How Does Creative Financing Work? by Rodney Schupp http://mortgage-modification-attorney.com/creative-financing/creative-financing-work/comment-page-1/#comment-7638 Rodney Schupp Thu, 24 Nov 2011 06:09:27 +0000 http://mortgage-modification-attorney.com/?page_id=800#comment-7638 I need some advice. I have $35k in my owner financed home valued at $285k. The balloon note $199K was due October 5th. It's now going into foreclosure. I need to secure a loan but I can't qualify for any. What are my options...can you help? I have a business contract that is being close to closing that will pay me more than enough to cover the loan balance, but it's taking longer than I had expected. I am hopeful that you can provide me with a realistic option. Sincerely, Rodney Schupp I need some advice. I have $35k in my owner financed home valued at $285k. The balloon note $199K was due October 5th. It’s now going into foreclosure. I need to secure a loan but I can’t qualify for any. What are my options…can you help?

I have a business contract that is being close to closing that will pay me more than enough to cover the loan balance, but it’s taking longer than I had expected. I am hopeful that you can provide me with a realistic option.

Sincerely,
Rodney Schupp

]]> Comment on Vericrest Financial by Gary http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-7474 Gary Wed, 16 Nov 2011 17:07:23 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-7474 We need to Sign a Petion to get these smart ass US Attorney Generls and State Attorney generals off their asses and Protect Us.We are being Screwed over Like we can stop a Big Mack truck Rolling down a hill.There is racketeering Going on here.Wake up people call your Us District attorney in your State where you live File a Morgage Fraud Complaint against these Crooks.Other Option might be Shoot them if all fails.I have filed Complaints and See Where this leads.These guys Failed to give me a notice but told courts they served me and Got a summary for Judgement on me! Crooks own the Courts! Lets Get these guy's.like I said Last option here might be War.No one seems to care or Listen anymore. 30 years ago these guys would be locked up 10 years for morgage Fraud. We need to Sign a Petion to get these smart ass US Attorney Generls and State Attorney generals off their asses and Protect Us.We are being Screwed over Like we can stop a Big Mack truck Rolling down a hill.There is racketeering Going on here.Wake up people call your Us District attorney in your State where you live File a Morgage Fraud Complaint against these Crooks.Other Option might be Shoot them if all fails.I have filed Complaints and See Where this leads.These guys Failed to give me a notice but told courts they served me and Got a summary for Judgement on me! Crooks own the Courts! Lets Get these guy’s.like I said Last option here might be War.No one seems to care or Listen anymore. 30 years ago these guys would be locked up 10 years for morgage Fraud.

]]> Comment on Atty Mods by James Robert Deal http://mortgage-modification-attorney.com/modification-attorney/comment-page-1/#comment-7372 James Robert Deal Thu, 10 Nov 2011 12:27:58 +0000 http://mortgage-modification-attorney.com/?page_id=25#comment-7372 If you cannot modify your mortgage, it is not because the mortgage is owned by Fannie or Freddie. Loans owned by Fannie and Freddie are specifically modifiable. If you do not qualify for a Making Home Affordable modification it may be because your income is too low or two high. It may be because you have significant equity in your home - meaning that the investor would get all its money in case of a foreclosure. But it is not because Fannie or Freddie own your mortgage. Ask your attorney for an explanation or a refund. Given that you are in California, I cannot help you. I only take Washington cases. If you cannot modify your mortgage, it is not because the mortgage is owned by Fannie or Freddie. Loans owned by Fannie and Freddie are specifically modifiable. If you do not qualify for a Making Home Affordable modification it may be because your income is too low or two high. It may be because you have significant equity in your home – meaning that the investor would get all its money in case of a foreclosure. But it is not because Fannie or Freddie own your mortgage. Ask your attorney for an explanation or a refund. Given that you are in California, I cannot help you. I only take Washington cases.

]]> Comment on Atty Mods by karen abbott http://mortgage-modification-attorney.com/modification-attorney/comment-page-1/#comment-7368 karen abbott Thu, 10 Nov 2011 03:52:17 +0000 http://mortgage-modification-attorney.com/?page_id=25#comment-7368 What does this mean ? What in the world is a non-attorney mortgage modifier? I hired an attorney to help me obtain a load mod. and I was notified today they cant help me because I have a fannie mae backed loan.. $2300 later for nothing... This has to be wrong. What does this mean ? What in the world is a non-attorney mortgage modifier? I hired an attorney to help me obtain a load mod. and I was notified today they cant help me because I have a fannie mae backed loan.. $2300 later for nothing… This has to be wrong.

]]> Comment on Vericrest Financial by DORIS HINES /CO- ROBERT C. HINES http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-7332 DORIS HINES /CO- ROBERT C. HINES Mon, 07 Nov 2011 19:29:20 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-7332 I HAVE A LOAN MOD,. ALREADY WITH VERICREST,BUTI GOT 2 MONTHS BEHIND, BECAUSE MY MONEY GOT GONE. FOR 2 MONTHS I PUT MY HOME PAYMENT IN THE BANK,THOUGHT IT WAS BEING PAIED, THEN GOT A LETTER FROM VERICREST SAYING I WAS 2 MONTHS BEHIND. IM ON A FIXED INCOME,I IT TAKES ALL I HAVE TO GET WHAT I NEED EVERY MONTH. I JUST DONT HAVE THE MONEY TO CATCH IT UP. PLEASE HELP ME, I DONT KNOW WHAT TO DO. I DONT EVEN HAVE THE MONEY TO MOVE IF I HAVE TO. MY HUSBAND HAS PASSED AWAY FOR 4 YEARS, I HAVE BEEN PAYING ON THIS LOAN. I ALSO HAVE A 13 YEAR OLD SON. SENCIRLY, DORIS HINES,/CO/ ROBERT C. HINES I HAVE A LOAN MOD,. ALREADY WITH VERICREST,BUTI GOT 2 MONTHS BEHIND, BECAUSE MY MONEY GOT GONE. FOR 2 MONTHS I PUT MY HOME PAYMENT IN THE BANK,THOUGHT IT WAS BEING PAIED, THEN GOT A LETTER FROM VERICREST SAYING I WAS 2 MONTHS BEHIND. IM ON A FIXED INCOME,I IT TAKES ALL I HAVE TO GET WHAT I NEED EVERY MONTH. I JUST DONT HAVE THE MONEY TO CATCH IT UP. PLEASE HELP ME, I DONT KNOW WHAT TO DO. I DONT EVEN HAVE THE MONEY TO MOVE IF I HAVE TO. MY HUSBAND HAS PASSED AWAY FOR 4 YEARS, I HAVE BEEN PAYING ON THIS LOAN. I ALSO HAVE A 13 YEAR OLD SON. SENCIRLY, DORIS HINES,/CO/ ROBERT C. HINES

]]> Comment on Vericrest Financial by James Robert Deal http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-6955 James Robert Deal Tue, 25 Oct 2011 04:15:15 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-6955 Never give up. Keep applying. Never give up. Keep applying.

]]> Comment on Vericrest Financial by ellie http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-6954 ellie Tue, 25 Oct 2011 04:07:34 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-6954 <a href="#comment-3172" rel="nofollow">@george </a> We spent over 2 years working on a modification with Citi ...which failed, same month they sold it to Vericrest. We then started the modification process once again with them, and were declined. We give up. @george
We spent over 2 years working on a modification with Citi …which failed, same month they sold it to Vericrest. We then started the modification process once again with them, and were declined. We give up.

]]> Comment on Vericrest Financial by Wende http://mortgage-modification-attorney.com/lenders/vericrest-financial/comment-page-1/#comment-6949 Wende Mon, 24 Oct 2011 15:51:40 +0000 http://mortgage-modification-attorney.com/?page_id=241#comment-6949 I too have a mortgage with Veriquest. I was five payments (not consecutive) mortgage payments behind. I did the hardship papers and was denied don't know why? Then in July I sent in my monthly payment and it was returned. I now have all the money to catch up my mortgage, but have been served with a notice of intent to foreclose. I have tried to talk to Veriquest and they told me to fill out the hardship paperwork and they will review it. They told me they were sending it that very day but 4 weeks later I have not received it. I have however been receiving harrassing phone calls from Veriquest and Paperwork from a lawyer that is hundreds of miles away from my home. I am going to have to hire an attorney at this point, I think. I am afraid to send the payment to catch up what is owed because they might take it and still take my home. I too have a mortgage with Veriquest. I was five payments (not consecutive) mortgage payments behind. I did the hardship papers and was denied don’t know why? Then in July I sent in my monthly payment and it was returned. I now have all the money to catch up my mortgage, but have been served with a notice of intent to foreclose. I have tried to talk to Veriquest and they told me to fill out the hardship paperwork and they will review it. They told me they were sending it that very day but 4 weeks later I have not received it. I have however been receiving harrassing phone calls from Veriquest and Paperwork from a lawyer that is hundreds of miles away from my home. I am going to have to hire an attorney at this point, I think. I am afraid to send the payment to catch up what is owed because they might take it and still take my home.

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