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I agree with the wrongful censorship of this site. I posted comments that wwew never posted. Mortgage companies under the HMMP program are requesting all paperwork be faxed or mailed except your dept to income ratio (NPV). The reason is because they can deny you at the end of the trial period (three months to two years) based on your debt information you gave them over the phone. You or your authorized representative, can request the specific NPV values verbally or by writing to the servicer within 30 calendar days from the notice date and they must answer your request within 10 days. If you request the NPV values and you have a foreclosure sale pending the servicer must not complete the foreclosure sale until 30 days after they deliver those values to you to give you time to correct the inaccurate values. If there are any. Once the evidence that the NPV values used were inaccurate, the servicer has the burden to make the necessary verifications to see if the corrections are material to the outcome of the NPV.
I registered at this website to share my opinion regarding loan modifications. It seems blogs on this site and its moderator support the self-help theory for people to seek more affordable homes through loan modifications. I support loan modifications and have seen much success with them helping people experiencing hardship. I support the practice of hiring and using an attorney to represent myself in ANY legal process, as I am not a lawyer but believe in having one to represent my best interests. As most, if not all, people who enter a legal process do not know what the outcome would be, why wouldn't they hire an attorney. If you knew the ooutcome, an attorney would not be necessary. Instead, people rely on information from the other side of the negotiating table, their lender, who is well-armed with lawyers to protect their best interests. GEEZ, people would rather listen to each others' horror stories, failures, troubles, a figure things out on their own. HIRE AN ATTORNEY, you don't know enough to truly help yourself. So, anyway, after blogging these thoughts, the moderator permanently banned me without a reason. Needless to say, I will know longer use their website to give my clients all sides of the story. Plus, they ask for donations to support the website. Bunch of idiots, in retrospect.
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