Collection Agencies & Non Collateral Loans?

about 5 years ago I got myself into trouble with mainly credit cards with maybe $15,000 in default.(Not Very Proud if it.)

A few just wrote it off %26amp; 2 Got a Judgement from the courts %26amp; one Collection Agencie had the Seriff come for a Asset sale.

Only thing I could do was file Bankrupcy. #7.

Now that I can breath again,my wife wants to refinance house with me on Title this time.

My concern is that some how some way even 10 years after filing Bankrupcy they will try to collect on the defaulted credit card loans %26amp; put a lein on the house and force us to forclose.

Thanks in advance for your input.

Collection Agencies %26amp; Non Collateral Loans?

If the debts were listed in the bankruptcy filing, they cannot collect on them.

However, if you have not re-established credit, your wife may find that she can qualify for a much better interest rate by herself than with your name on the title as well.

If 3 names are on title and only 2 names on morgage loan, should I change to all 3 on morgage loan?

thanks to all for the replys so far. If the mother in law has rights to 1/3 of the house, then she should pay 1/3 of the loan ?

If 3 names are on title and only 2 names on morgage loan, should I change to all 3 on morgage loan?

You have to refinance to add her name to the loan. Her name can not simply be added, or removed from a loan contract. A whole new contract needs to be drawn up.

And no, there is no law that requires everyone on the deed to be on the mortgage.

If 3 names are on title and only 2 names on morgage loan, should I change to all 3 on morgage loan?

I guess its just personal choice. You do have to refi in order to get the 3rd person on the loan. Why is she on title if shes not on the loan? I dont see how that would benefit you and your wife. Sometimes spouses will have one on the loan and the other not, due to credit... but they both remain on the house. I feel like there is something you are not telling us.

What I would do is have your mother in law sign a quit claim deed taking her off of the title. Seems like the cheap easy way to solve the problem. Or if she lives there, put her on some rental agreements. Either way, I wouldnt want anyone on title to my home other than my wife. Period.

If 3 names are on title and only 2 names on morgage loan, should I change to all 3 on morgage loan?

NO..Usually I would advise that you do not change the mortgage. Now, if you need to refinance to get a lower interest rate.. Then it will require a complete remortgage..with all 3 names on it.

As to whether your mother in law should pay 1/3 of the loan.. does she live there? Why was her name put on the house? what is your agreement with her? all of that needs to be answered prior to a definite answer

If 3 names are on title and only 2 names on morgage loan, should I change to all 3 on morgage loan?

It is not nesscessary, but I see your point....make her pay if she wants to stay.

If 3 names are on title and only 2 names on morgage loan, should I change to all 3 on morgage loan?

You would need to refinance, however, you can%26#039;t force her to sign a new mortgage. Legally, she%26#039;s 1/3 owner of the property....with or without a mortgage. How did she end up on the title in the first place?????

Title close?

I am a notary, I am looking for a class where they teach loan signing, so I can become a title closer.

Title close?

I think you want to be a title clerk or escrow officer. (The official title may vary by area)

Every closing I have been to, the person was a notary, so you have that part covered.

Inquire at a local title company, the ones in my area are always looking for good people. They train the right people. The best title company in my area has title clerks that will be flexible with their hours to do closings after traditional business hours. Also, it is a meticulous job, you have to be very efficient and dot each i carefully.

Title close?

I%26#039;m not sure about the law where you live, but in most states you need to be a Lawyer to run a closing, and a paralegal to run a viable title search. It will certainly take more than one class!

Title close?

The best way to get information on becoming a notary signing agent is to look at the national notary website: http://www.nationalnotary.org/. Also, check your state%26#039;s notary licensing website: they usually will list classes that you can take.

Deb

Title close?

Call a local title company and ask. You want to make sure there is not required education for your state. Try the link below if you just need a class for information.

Title close?

What you are referring to is commonly referred to as a %26quot;signing service%26quot; and it%26#039;s not a title closer.

That is where, when someone is willing to waive having the documents explained to them, you merely take the closing documents to their home/other location and witness the signature, notorize it, and then go make copies for the proper parties, and mail them out the same day or next day.

I personally, as a Realtor, HIGHLY advise clients against the use of this %26quot;convenience%26quot;...you are paying an attorney a hefty fee to explain the documents in addition to other services...and they need to earn it.

I was decreed house in divorce but loan is in ex name only my name is on title only.am i responsible

i am having financial difficulties and am filing bankruptcy in about a month my home is mortgaged in my ex husbands name but my name is on title and was decreed to me i was wondering if i am responsible for payment if my name is not on mortgage. I don%26#039;t know if i should include it in bankrupcy and just move and cut my losses or continue to pay and if i can%26#039;t make it in later time just leave or try to sell. I am not sure i will get what i need to pay mortgage out of the home. only 20.00 per month goes on principle. My ex left the usa for good so he don%26#039;t care what happens.

I was decreed house in divorce but loan is in ex name only my name is on title only.am i responsible for pmt?

the decree places the house in your name. pay your bills

I was decreed house in divorce but loan is in ex name only my name is on title only.am i responsible for pmt?

If you didnt sign the loan, you are no liable, however the house can be repossessed if you dont pay. If you do file bankruptcy, Id include the house debt in the bankruptcy ...just to be sure... There will be no questions then... and it wont cost any more to include the house when you file bankruptcy for your other debts...just tell the bankruptcy attorney about the house thing.

I was decreed house in divorce but loan is in ex name only my name is on title only.am i responsible for pmt?

You%26#039;ll be consulting a lawyer about the bankruptcy? I don%26#039;t think you can include a debt that isn%26#039;t yours on a BK. You%26#039;re husband is responsible for the mortgage, although you%26#039;re the one who%26#039;ll lose the home for non-payment. You need legal help. Don%26#039;t depend on answers you get here. We don%26#039;t know anything.

Does bank tell government agency to remove it as lien holder from the title when customer pays off t

In most states the lender holds the title on your vehicle until it has been paid off. Once you have paid off the loan, the bank will do one of 2 things. In states where the lien holder keeps the title, they will release the lien on the face of your title. They will either send it to you, or send it to the appropriate dmv office for them to release the lien in the state system. If you live in a state where you hold the title, they will mail you the appropriate lien release form.

Whatever the law is in your state, be sure that you follow up on the process. Too many banks lose or misplace titles, or simply do not follow through on the paperwork.

How do I get car title transferred to my name after 6 years after paying off loan?

I paid off my car in 2000, and got the title in the mail. I put it away not realizing that I needed to go to the notary with it, I just assumed that I was paid off and signed off by the finance co., it was mine. I want to sell the car now, and just pulled out the title. I know I need to get this in my name before I sell. Will there be any consequences now that so much time has gone by?

BTW, I am in PA.

Thanks.

How do I get car title transferred to my name after 6 years after paying off loan?

it should be already stamped on your title by the finance co., then you take it to the department of motor vehicles to be transfered into your name.you will have to fill out some forms.

How do I get car title transferred to my name after 6 years after paying off loan?

Probably not as long as the car is paid off. Call your local BMV

How do I get car title transferred to my name after 6 years after paying off loan?

call the bank and request your title

How do I get car title transferred to my name after 6 years after paying off loan?

It is in your name, and the finance company %26quot;released the lien%26quot;...

You need to get it notorized in order to sell it to the other person though.

How do I get car title transferred to my name after 6 years after paying off loan?

when you sell sign as lein holder and they will mail new tag in the buyers name to u then when you get all yo monie sign off

I paid my used car loan off, now I want my title...?

How long can my used car dealer legally take to get this to me? I need it asap. I already called him twice, and he keeps telling me he needs to get around to it, to get it from the bank.

I paid my used car loan off, now I want my title...?

Tell the dealer you%26#039;re calling the police to report Grand Theft Auto -the dealer%26#039;s possession of that title is tantamount to illegal taking of the vehicle itself. Tell him that%26#039;s your FIRST call. Your next is going to be to the DMV to request his dealer license be revoked. Tell him you think the delay may be because he got the car illegally in the first place and you%26#039;ll let the police sort it out.

Tell the dealer those will be your very next calls after you get off the phone -you%26#039;re not waiting for him to do anything. You%26#039;re acting NOW. The reason for calling is so HE can have the title ready to hand over to the authorities when they get there. If the dealer says he%26#039;ll have it ready for you to pick up NOW, that%26#039;s not good enough. Tell him he can have it delivered to YOU NOW, and if that happens, you%26#039;ll call the cops and DMV back and tell them you finally got your title.

Then hang up. Have the numbers handy so you can make your calls immediately after talking to the guy. If the police say it is really NOT grand theft, then you say, %26quot;OK, but it is now theft of my title -can%26#039;t you call him and do something?%26quot; Don%26#039;t let up. Tell the DMV you are getting really uncomfortable about not getting your title and now suspect that the dealer may have had illegal possession of the car all along.

The dealer may try to call you back -so if he get%26#039;s a busy -that%26#039;s a good thing. If he does reach you, just say your calls have been made and he can drop off the title if he wants to -or not. Then hang up.

Go!

I paid my used car loan off, now I want my title...?

if its paid in full, he should give it to you within 3 working days. that%26#039;s all it should take.

I paid my used car loan off, now I want my title...?

Charge them a late fee for everyday they stall. Sound ridiculous? Ask yourself this question: %26quot;Would they have charged me a late fee if I didn%26#039;t make my payments on time?%26quot; The answer is obvious.

I paid my used car loan off, now I want my title...?

Your dealer sounds shady. Your title should be in a dealer safety deposit box. Or for the big dealers in a corporate office somewhere....mostly out of state. 30 days is the longest time you should wait before taking any legal action. Most of the time a nice litle comment like%26quot; yeah I spoke to my uncle he%26#039;s a Attorney%26quot; and he sad .........

Keep calling at least once a day! The dealer should get sick of you and deal with it!

Shady car sales!

Got to love it!

I paid my used car loan off, now I want my title...?

The dealer shouldn%26#039;t have it, it should be in the posession of whoever loaned you the money. Contact them directly.

I paid my used car loan off, now I want my title...?

Man up about the situation and show up to the dealer and demand it. Now if the dealership is in overtown or little haiti i recomend you go during daylight and bring a cop with you.

I paid my used car loan off, now I want my title...?

one more them adn then report him to the division of consumer affairs he will get off his big fat but real fast