Question: I purchased my home in
2007. I lost my job in 2009 and did
loan
modification on my home. The
loan
modification got finalized with my bank in June
2013. They could never get the docs right and I had to
sign twice. My credit history was damaged because it
looked like I didn't make any payments for all these
years. Now they are sending over a representative to
have me re-sign these documents years later due to their
mistake. I have not signed as of yet as I have a lot
things going on, but they are threatening to
foreclose on my home. I made all my payments and I
am not behind. Should I hire a
lawyer?
I feel like I am being harassed.
Response: Have you seen the new
loan
modification agreement? What kind of mistake? When
you signed the original
loan
modification, there may have been a part to the
loan
modification agreement regarding errors and
omissions and if you signed that, then you agreed to
future changes. You may need to get an
attorney
to see if the claimed mistake is harmful or beneficial
to you. Unfortunately, as far as your credit is
concerned, before the loan is current via permanent
loan
modification, you are considered to be in
delinquent, hence, the negative credit reporting.
In the legal blog, Attorney Svetlana Kaplun addresses typical questions our firm has received from our clients, or come across from homeowners related to foreclosure, foreclosure defense, loan modification and bankruptcy topics.
The information contained in the legal blog of Attorney Svetlana Kaplun is for informational purposes only, and should not be construed as a legal advice on any subject matter. Please read our full disclaimer or contact the Law Office of Svetlana Kaplun, P.C. by telephone at 718-444-1115 for more information.
Copyright © 2015 Law Office of Svetlana Kaplun, P.C.
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