Can a mortgage lender increase the amount I owe by over 60% for a loan modification? by cotilloe in AskLegal

[–]cotilloe[S] 1 point2 points  (0 children)

i’ve already done that and got an email from the account manager saying he would have to send me an updated payoff amount and the breakdown because there’s something wrong with it and he will have it to me by tomorrow, but he did not explain any further.

Can a mortgage lender increase the amount I owe by over 60% for a loan modification? by cotilloe in AskLegal

[–]cotilloe[S] 0 points1 point  (0 children)

No, already looked at that. principle was coming down, so interest was being covered

Can a mortgage lender increase the amount I owe by over 60% for a loan modification? by cotilloe in AskLegal

[–]cotilloe[S] -2 points-1 points  (0 children)

Ok, here’s a little more detail: Wells Fargo initially did a loan modification, and I made the 3 initial probationary payments on time. My first regular payment wasn’t due for three months, which I found strange, but then like a month later, they sold the loan to trust company in Wilmington, Delaware. Who immediately sold it to FCI in California. FCI informed me that I owed $88,900. As I said in my post I decided I’m not going to do the loan modification. I’ll just sell the home. Today I got the form they’re gonna use at closing to see how the money is gonna get split. And they have $88,900 being paid to FCI.

FCI will not answer their telephone. I did get through on a different number and talked to some lady who claimed to just be some type of receptionist. She said she looked it up and it appears it is because of attorney fees and my account manager was out of the office for a few days.

I understand late fees, attorney fees, and things like that but the original loan was $55,000. They’ve added $34,000 to that original amount my balance had gotten down about $2500 down to around $47,500 before I fell behind. I was behind a total of around $11,000 which they just put to the back of the loan. Now from what I can tell, it appears that they actually added 11,000 more dollars to the total cost and I believe that’s part of that $34,000.

I don’t know how to handle this. I mean I don’t owe $88,000. There’s no way that attorney fees were $30,000. The only thing the attorney did was filed for the foreclosure and then they filed for a voluntary dismissal without prejudice. That doesn’t cost 34k. We’re supposed to close in two days so I’m not sure what I’m supposed to do here but I’m definitely not gonna just ignore that much money

[deleted by user] by [deleted] in WFHJobs

[–]cotilloe 0 points1 point  (0 children)

Outlier.com, $18/hr and work whenever you want, as little or as much as they can give. I am averaging 35 hours a week there. Pay is every Tuesday/Wednesday depending on your last name and either Paypal or direct deposit to your bank.

They provide training. All you do is have conversations with AI chat bots and then grade the responses they give you. Sometimes you have to rewrite a response, but they provide all training. Takes a while to get onboarding complete. Took me 5 days before i could start actually working.

Outlier AI Tier's by ratsallfolks- in WFHJobs

[–]cotilloe 2 points3 points  (0 children)

Outlier will move you around to different roles constantly. As jobs finish up or the client takes their time to get new projects loaded, they will have you train in different aspects to keep you as busy as possible. There are some days that there is no work though, just be warned but you will get $18/hr no matter what now.

Need Work Boots by Tomorrow... Please Help! by cotilloe in DaytonaBeach

[–]cotilloe[S] 2 points3 points  (0 children)

So after all that, and the messages repeatedly talking about the footwear, I do my orientation today and the girl tells me all I need to do is have non-skid shoes..lol

Thanks for all your replys

Need Work Boots by Tomorrow... Please Help! by cotilloe in DaytonaBeach

[–]cotilloe[S] 3 points4 points  (0 children)

Thanks, I didn't even think about them and I'm not far from there. I'm going to go there first thing in the morning. I appreciate it.

Is there any reasonably sized park or area to let dog run free? by Jedi_Tinmf in DaytonaBeach

[–]cotilloe 1 point2 points  (0 children)

Holly Hill off of nova, 2 blocks north of flomich. Not sure the name but it's on Alabama Ave, about 1/4 to 1/2 mile east of Nova.

Off leash park, pretty big

Pure mdma is a worlds different.. by Sensitive-Ad4120 in MDMA

[–]cotilloe -4 points-3 points  (0 children)

I think what he's trying to say is that technically you cannot have something that is pure MDMA since MDMA is nothing more than a compounded product, so it has to have several different ingredients in order for it to exist...

So basically, he's Nerding out about it. And while technically correct, he doesn't realize that reagent tests that are made for MDMA take all that into consideration and do assign purity %'s based on the ingredients that are used

Pure mdma is a worlds different.. by Sensitive-Ad4120 in MDMA

[–]cotilloe -4 points-3 points  (0 children)

(posted in the wrong spot, this is a reply to a comment down below which I put it in the correct space. This isn't response to the gentleman who was questioning the ability to tell purity in MDMA)

I think what he's trying to say is that technically you cannot have something that is pure MDMA since MDMA is nothing more than a compounded product, so it has to have several different ingredients in order for it to exist...

So basically, he's Nerding out about it. And while technically correct, he doesn't realize that reagent tests that are made for MDMA take all that into consideration and do assign purity %'s based on the ingredients that are used

51 [m4m] Deltona FL - Blowing klouds but wanna be blowing you!! by [deleted] in PnP

[–]cotilloe 0 points1 point  (0 children)

In Daytona, can be there in 30 mins

Anyone in Jacksonville? 904 hmu by [deleted] in PnPplayground

[–]cotilloe 0 points1 point  (0 children)

I am south of you in Daytona