Listen, everyone having problems with aurora: as we all know they were in the sub prime mortgage business before they were bought by lehman brothers so they are ruthless! Put your boxing gloves on! If you do not have sub prime lending laws in your state they are very unwilling to help or work with you. To avoid the spin, research your state statutes so you are informed about your state laws when you call them. I suggest you do these things because i found this out the hard way.
1. When you call them let them know that you are recording the conversation and mean it!
2. Write everything down in an exercise book or binder, i mean it!
3. Send all information via the us postal service return receipt requested and staple the green form in your book or binder when the post office sends it back to you.
4. Write to the governor, the attorney general and the cheif financial officer in your state. If you do, send your mail return receipt requested. They take you more seriously if you do because they know you know they received your letter and you can document it, plus come election time... Well you can use it to prove they never gor back to you. Ah!
5. If you cannot afford an attorney call your local attorney bar association and ask for a real estate or foreclosure attorney who does pro bono (free) failing that, go to the court house and ask a judge to appoint an attorney if you responded to the foreclosure on time. Works better in some states like ny where they are pro housing much more difficult in some southern states.
6. Go to huds webpage there is a link that says help save my home lenders. There is an 800 number or 866 number then punch in your postal code it will connect you to a service for attorneys in your area that are willing to work on a sliding scale. Click on the dropdown to find your lender if they are not listed and follow the prompts.
7. If your lender is aurora when you ring the 866 number you will hear a feed back, it means they are taping you. If you just have general questions and you do not wich to be taped tell the rep to turn off the recorder before you ask questions. Only rely on your own recordings or you can flat out tell them you do not want to be taped. Always write down their name time and date and the state they are in. If you record the conversation tag it. If you do not then write down everything you can remember.
Also they are suppose to help us in this thme of crisis if you do not get a favourable outcome begin a writing campaign. The elected officials in our states are there to help us. We need to remind them that they are public servants and not get google eyed and ready to take pics with them if they do not do their jobs.
8.in some states or in general i ought to say, they are researching if a measure they used in the eighties to help farmers hold on to their land will help us and that is to give the judges more power in the court rooms to modify loans. Lets start writing to these government officials.
Last, do not give up, do not let these loan servicing companies scare you, fight for your house our homes!
They have some nerve accepting t.A.R. P then turning around and foreclosing on our homes? I don't think so!
0 comments