Hello! In reference to your question regarding Wells Fargo assessing legal fees to you. Yes, unfortunately, it's legal for them to charge such fees. However, you did the right thing in contacting VA for assistance since you have a VA loan. You can ask her to have the lender to waive those fees and it can be done if all parties agree. I would tell her that "but for the fact that they inappropriately applied your monthly mortgage payments" there would not have been legal fees incurred. Therefore, based upon that injustice, you are respectfully requesting said fees to be paid. In my professional opinion that is your lenders problem and they need to eat those fees and pay their own attorneys for their mistakes.

As well, I don't know if you are active or inactive duty but keep in mind and read about the recent class action lawsuit against Chase by active duty veterans who experienced wrongful foreclosures. They won their cases and Chase is going to have pay a lot of money back to them on several issues including inappropriate interest rates, wrongful foreclosures, etc. This is due to the fact that "Active Duty" military personnel are protected by law against any foreclosure proceedings during the time of their being "active." It's a shame what Chase did to the men and women who protect us here in America. However, their Vice President did go on camera and she apologized on behalf of Chase and stated that they would remedy their wrong doings.

I would strongly encourage you to continue to document all of your problems with your lender for future reference. I wish you the best. Sincerely, Dana AKA angelicrealtor on here!

Hi! I'm a Preforeclosure/Banrkuptcy/Fraud Specialist & Realtor of 15+ years. Unfortunately, there it is legal for a mortgage company to sell their notes. However, I would strongly recommend that you check out this website and video that talks about the "Produce The Note Strategy" for future reference, as follows: http://www.consumerwarningnetwork.com/2008/06/19/produce-the-note-how-to/

As well, you can contact your local Department of Banking and Finance ie) if you live in Georgia check under Georgia Department of Banking and Finance. They will tell you if there are any complaints or investigations going on with the company in question. As well, if you want to file a complaint, your friend can do so. I trust that this information will be helpful to you and wish you the best!

Sincerely, Your Real Estate Guardian Angel, "Dana"

Hello!

They call me "The Real Estate & Preforeclosure Guardian Angel" because saving property owners in distress from FORECLOSURE has been my specialty, passion and devine calling for the past 15 years. My exact title, as a Licensed Realtor, is "Preforeclosure/Bankruptcy/Fraud Specialist." It goes way beyond Real Estate for me :-) As you know, during the past few years we have been in the worse Real Estate Market than ever experienced in the past few decades. Additionally, we have definitely been in a recession period and seemingly it is NOT improving. The unemployment rate across the U.S. is at its highest peak. Families across America from every socio-economic background, ethnic, gender and religious group are in distress for the first time in their respective lives. This epedimic is hitting at every level from entry level employees to the Corporate CEO. It's cancerous head is continuously spreading like wild fire througout the land. 

 

My goal and objective on this website is to provide valueable tips that I've acquired from many years of experience in this field. I'm in the process of writing about the subject matter in hopes of helping the masses of consumers/property owners that are in need of this information because their liveilhoods depend on it. There is no 100% success rate but I've been blessed to have a very high success rate in stopping foreclosures. I've negotiated with lenders across the board to take thousands and thousand of dollars in losses and allow the property owner to move on with their lives with dignity and respect, as well as with as much damage control to their credit worthiness as possible. It is my desire to see that property owners not only get out of the current troubles that they face in a successful manner but, more importantly, be able to turn themselves around and purchase again when the time is right.

Contrary to popular thinking FORECLOSURE is NOT the end of the road. People don't just wake up one morning and say, "I think I'll stop making my mortgage payments" for no valid reason. Their disposition is normally due to something traumatic taking place ie) loss of job/income, loss of health, death, divorce, etc. I'm a firm believer that it's what you DON"T know that will hurt you and that given the right advice (ammunition) people will make the right decisions!!! I hope to be a great asset/aid to as many readers on this website as humanly possible. Thank you for stopping by and readling my ad. Thank you and have a wonderful and prosperous day!!!

Your Real Estate & Preforeclosure Guardian Angel,

"Angelicrealtor"