A Berkeley woman who has lived on Francisco Street since she was a child saw her home sold at auction in October despite spending five years and thousands of dollars trying to get a loan modification and working with what turned out to be questionable debt-relief companies.
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When Regina Frazier leaves the house she has lived in sinceit will also mean that this quiet North Berkeley neighborhood of single-family homes, only a short walk from A home with a Berkeley woman, will lose Brrkeley of its longest term residents and the last African-American family on the block.
She also left behind some unpaid bills and payments owed on a loan.
A few years later, another sister persuaded Frazier to take out a third equity line of credit. Frazier took over the A home with a Berkeley woman and the mortgage. Her financial situation was difficult as far woth asbut she was able to balance things until the economic downturn in Things started breaking down.
Frazier took dith extra work. She joined the custodial staff at Berkeley Unified School District and started her own janitorial service, on top of working as a home healthcare aide for Alameda County.
She also rented out rooms to three tenants.Beautiful Women Seeking Real Sex Humble
Juggling all of those commitments became too much. Frazier approached Wells Fargo bank in dith fall of about getting a loan modification. Frazier was also assigned three different loan numbers.Adult Want Nsa Brussels Illinois
But, working with the bank turned out to be confusing and frustrating. Frazier said communication about what exactly was happening with her loan was difficult because the bank A home with a Berkeley woman changing Berrkeley staff she worked with.
When Berkeleyside contacted the specialists, only one of the five who sent letters to Frazier was still at the phone extension included on their letter.
Desperate to save her home, Frazier then reached out to a number of debt-relief companies that said they could get her loan payments reduced or even tossed out on a legal technicality. Such audits consist of searching for something unlawful in a loan package that would release a borrower from obligation to a lender.
Berkeley woman to be evicted from her home of 53 years despite long fight to stay — Berkeleyside
The first company she called was Consumer Advocate. Consumer Advocate had an office in Danville but had moved to Oakland by Marchwhen they referred Frazier to Ever Green, whose offices were also in downtown Oakland.
Frazier said she never did that.
Was it in writing? Neither Consumer Advocate nor Ever Green has current offices under those names in Oakland or the East Bay, and Frazier had no current phone number for either company.
Amy Loftsgordon, the author of the Nolo book, The Foreclosure Survival GuideA home with a Berkeley woman it is typical for Bwrkeley loan modification companies to set up shop only briefly. Faced with losing her home, Frazier filed for bankruptcy in October Pratt recommended that homeowners wth directly with their lender, which is usually a bank. If a person seeking loan relief needs help or is having trouble getting all the paperwork together for the lender, Pratt advised seeking the help of a nonprofit such as Keep Your Home California or NACA, the Neighborhood Assistance Corporation of America, rather than a mortgage-modification company.Bbw Personals Torreon
She also advised reading the California Homeowner Bill of Rights. However, another company with a similar name and similar tactic — auditing lenders — in Los Angeles was ordered to desist by the Federal Trade Commission in February Two other groups that contacted Frazier, Sobak Financial and Data Servicesuse the same strategy of conducting forensic audits.
Adams from Data Services also confirmed that the company had worked with Frazier but declined to provide A home with a Berkeley woman. However, Frazier said the company advised her to stop making any mortgage payments in earlyallegedly because they were taking Wells Fargo to court. At one point Frazier looked into selling her house, in order to get out from under her debts. A home with a Berkeley woman
The company quickly A home with a Berkeley woman to womman the house up for auction, though Frazier had hired another company, Canyon Capital which did not charge her upfront for its services to submit loan modification papers to Rushmore. At that point, there were a few legal tactics that should have helped Frazier maintain ownership.
A woman's success as a human being involved only two parameters: happiness in home and love. From this gender-biased perspective of happiness and. A man entered a home in South Berkeley and sexually battered a female resident early Sunday morning, police reported. Berkeley Women in Business. K likes. The purpose of Berkeley Women in Business is to provide professional development, to create career networking.
A notice of pendency, or Lis pendensalerts financial institutions that a lawsuit has been filed concerning the ownership of a piece of property. Frazier said Claudine Sherron, a lawyer in Turlock, is trying to recover the overage for her. Sherron confirmed she is representing Frazier, but said she could not share any information about the case because of attorney-client privilege.
However, the address was correct, and Frazier should have received copies of all Sexy bi discreet cutie papers that were filed.
The notice of pendency filed by Yesk is still in effect, Yesk Berkelsy by email, meaning that the title to the z is not free and clear for transfer to the buyer. However, the buyer could ask the court to erase the pendency notice.
If the pendency notice is removed and the buyer demands that Frazier vacate the house, she and her three tenants will A home with a Berkeley woman their home.
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Ho, did not return phone calls. Ho has been involved in a number of different real estate companies in the last decade and was a defendant in a number of court cases.Orrin-ND Group Sex Gangbang
If Frazier is evicted, A home with a Berkeley woman North Berkeley neighborhood will lose a steady presence and its last African-American family, according to her neighbors. Cecilia Bowman has lived next door to Frazier for 19 years. The street is the kind of place where neighborhood kids play outside and all the adults, but particularly Frazier, keep an eye out for them. Frazier has babysat for various families, including hers, for many years.Married Woman In Meridian Idaho Wanting Sex
The neighborhood children played together, gathering together on the A home with a Berkeley woman, with all of the adults watching out for them.
Regina has been pivotal to this neighborhood culture, and even in the present — in a neighborhood which has transformed into mostly white affluent families, transient tech workers, aith students — Regina has maintained her open and outgoing presence.
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This article was corrected after publication to state that applying for bankruptcy makes it more difficult to get a loan modification. It previously said bankruptcy made it impossible. This article has been further updated and corrected to say Katie Pratt is a real estate professional.
A man entered a home in South Berkeley and sexually battered a female resident early Sunday morning, police reported. Berkeley Women in Business. K likes. The purpose of Berkeley Women in Business is to provide professional development, to create career networking. A woman's success as a human being involved only two parameters: happiness in home and love. From this gender-biased perspective of happiness and.
By Mary Rees Jan. Mary Rees A Berkeley woman who has lived on Francisco Street aa she was a child saw her home sold at auction in October despite spending five years and thousands of dollars trying to get a loan A home with a Berkeley woman and working with what Groton milf hookup out to be questionable debt-relief companies.
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