Hello,
I filed a chapter 13 in 2005 which was converted to a 7 and discharged in 2009. 2005 was the last time I made a payment on my 2nd mortgage. I was able to get a home loan modification on my 1st and have been current with the 1st ever since then. I had attempted to do the same with the 2nd back then as well however they would just hang up when called them and never replied to any emails. The 2nd does not show on any of the credit reports either. Just last month my 1st mortgage sold my loan to... The 2nd mortgage company. My concern is now that they have both notes they might think it's a good idea to foreclose. The house is still under water. I'm not sure what I should do. I had been thinking of sending them an offer to get rid of the 2nd before they got the 1st.
Any thoughts on a plan of action would be great.
Thanks
I filed a chapter 13 in 2005 which was converted to a 7 and discharged in 2009. 2005 was the last time I made a payment on my 2nd mortgage. I was able to get a home loan modification on my 1st and have been current with the 1st ever since then. I had attempted to do the same with the 2nd back then as well however they would just hang up when called them and never replied to any emails. The 2nd does not show on any of the credit reports either. Just last month my 1st mortgage sold my loan to... The 2nd mortgage company. My concern is now that they have both notes they might think it's a good idea to foreclose. The house is still under water. I'm not sure what I should do. I had been thinking of sending them an offer to get rid of the 2nd before they got the 1st.
Any thoughts on a plan of action would be great.
Thanks