Michigan Foreclosure
Michigan Foreclosure
October 02, 2009
Who is Cenlar?
My loan was moved from Taylor Bean & Whitaker to Cenlar. I don't know anything about them. I sure hope they are better than TBW. I was trying to get a forbearance, loan modification, or some other repayment plan so I can avoid foreclosure. I don't want to do a bankruptcy and ruin my credit.
February 12, 2009
Nation Star said there is nothing they could do, is that true?
We are not behind in our payments yet. We have been struggling to keep paying them and for the first time in January we were late and tried to seek help from our mortgage company. They said there was nothing they could do. We just want help to avoid having to go into foreclosure.
February 11, 2009
They are foreclosing on me and my animals
Our time is running out and I do not know where we will go. Nobody wants to rent to people with bad credit and pets. We have very old dogs and old horses that we love very much. Rescue organizations are bursting at the seams here in Michigan and will not take anymore pets.
January 19, 2009
I am sure you have heard this before but what can I do?
Presently we are in a ARM and the mortgage was increased by $150 in December 2008. We were able to afford the home until a two income household became one. We were able to maintain somewhat until our mortgage increased.
May 21, 2008
Is there anyhting we can do if EMC wants mroe on a payment plan than we can afford
we have tried to work with EMC and they have put us on payments in 6 month plans but the amount is way too high and they will not reduce or refinance.
May 14, 2008
We separated but the mortgage did not
Mortgage was shared between me and my spouse and we separated. I was not able to keep up with payments on my own at first and the payments racked up. The agreement made with the bank was just to high to keep up with.
May 05, 2008
Why does it take so long to get an answer from EMC
I contacted EMC Modification Department in January 2008 about ARM increase due to take effect in March 2008 and that there would be no way I could make the new payments.I was told by EMC Modification Agent Cory/Tamara that Modification paperwork would be sent to me in 2-3 business days.
Nobody bought the house, what can I do
My Mort.called after the sheriff sale in Dec, stating nobody bought the house. They have it listed for sale. On the Dec call, they told me I have to be out 6-21-08.
April 11, 2008
What are the ramifications of a deed-in-lieu of foreclosure
We do not currently live in the home. We had to leave the state of MI for my husband to find a job. (we now live in GA) The payment with taxes and homeowners insurance is closer to $1200.
My family's been through a lot of grief and this is unbearable
I've been living separate from my wife for about a year, and our house, where she and our kids live is mortgaged in her name only, but both our names are on the deed. Her brother died of cancer recently, contributing to her already chronic depression.






