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    Retailers: Re: Credit Card Interest Rates

    From what I have read, my understanding is that the banks can not increase rates on existing balances ... and unless the lenders index has gone up, which it has not, they can not raise the rates on...
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    Foreclosure: Payment Requested

    We have paid our 3rd payment, as per the Trail Payment Agreement (WAMU/Chase) and I called to inquire as to receiving the final loan modification... and was told to continue making payments until the...
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    Retailers: Credit Card Interest Rates

    I recently received a notice that Target was increasing their interest rates from 13.99% to 20.24% for existing balances unless I choose to cancel my card by January 2010.

    I thought existing...
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    Vegetation: Re: Responsibility for Trimming Trees

    HI SChin and thank you for your feed back . . .
    I have not even spoken to the neighbor yet, as the complaint was third party . . .
    And, even tho I would agree with you, if I had blown her off, I am...
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    Vegetation: Responsibility for Trimming Trees

    We have a recent complaint about our trees growing over the fence into a neighbors yard . . . the neighbor feels that we should be responsible for trimming them back. It is our understanding that...
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    SB1005 and California

    I am heading for foreclosure and wanted to know if California has extended their timetable to conform with the Federal Mortgage Forgiveness Debt Relief Act of 2007? SB1055 goes thru 2010 but CA only...
  7. Thread: Work Out

    by napamac
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    Foreclosure: Work Out

    On Monday, after several phone calls I was able to reach the Work Out Specialist ... He reworked the numbers (he misread the income) and stated that he could lower the payment further - and would...
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    Foreclosure: Short Sale vs Working with the Owner

    I have read so much about Short Sales, Foreclosures and BK and I keep coming back to the simple question . . .

    If a lender/investor is willing to accept a lower value on a short sale why then...
  9. Thread: Foreclosure

    by napamac
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    8,148

    Foreclosure: Re: Foreclosure

    To OhMy or others ...

    Regarding your comment:

    2) Any mortgage including seconds, thirds etc that are recorded with the original purchase deed are considered exempt in CA. Therefore, if you are...
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    Foreclosure: Re: Loan Modification, Foreclosure or Bankruptcy

    Thanks Solara for chiming in . . .
    As I have refinanced the first (no cashout) I guess I would have to either go with Foreclosure or Short Sale. Would one or the other negate any advantages.
    And...
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    Foreclosure: Re: Loan Modification, Foreclosure or Bankruptcy

    Still trying to get some help on this issue . . .
    Any assistance would be appreciated.

    Thanks
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    Foreclosure: Loan Modification, Foreclosure or Bankruptcy

    NEWBE trying to chime in for answers . . .

    We bought our CA. home in 2004 ($554,500) with 10% ($54,500) down and the sellers Realtor took back a 10% ($54,500) 2nd (Annual I/O payments - Total Due...
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    Foreclosure: Re: Refi with No Cash Out

    As I stated in my initial message...we bought the house with a 1st mtg and at the same time, a purchase money 2nd thru the Realtor who put up the 10%...all purchase money.
    Each of the 2 times that...
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    Foreclosure: Refi with No Cash Out

    NEWBE trying to chime in for answers . . .

    We bought our home in 2004 with 10% down and the sellers Realtor took back a 10% 2nd. Now with the decline in value we are underwater about 100-150K and...
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