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What happens to the second mortgage in a short sale?

 

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Question:

I consider buying a house in a short sale. Do I deal with the first mortgage before the second mortgage? Do I have to deal with the second mortgage at all? I have to tell either lender about the other loan and payoff amount?

Answer:

Usually, the second lien will join in the foreclosure as plaintiff, or, attend the sale and bid up to its exposure or upset price.

You have to look at the proposed short sale as a whole.
Neither lender will want to accept less, unless it is in their best financial interest to do so. The lender will make an estimate how much they can recover based on estimated value. If your short sale proposal meets or exceeds their anticipated net recovery after foreclosure, then they will probably accept your proposal.

If the first lienholder is to accept less than they are due, then the second will not get much if anything at all.

About your second question if you have to disclose payoffs to all parties - yes, the financial disbursements are made known to all parties via a HUD1 settlement statement. The lien holders typically ask for an estimated HUD1 statement for the short sale application.


Comments:

You are on page 2 of 2, other pages: 1 [2]
2010-03-19, 03:12:54   (updated: 2010-03-19, 03:14:42)
anonymous  

Thanks very much, that is what I have found, I have found some interest only mortgage information too(here: http://www.myintere..rtgage.com ).And in my opinion, the contents you have wrote are so usefull that I will come back some days later.
2010-03-27, 17:03:10   (updated: 2010-03-27, 17:05:16)
anonymous from Montclair, United States  
rating
i do have a home in short salek 1st mortgage and after tryng to sell since 2006 finally i have a byuer in short sale. the reason trying to sale is because i got my retiree benefits 2 years ago. I alrady planned tomove to other state south since 2005 when i purchase a 2nd home planning to move when i retire. The market and the people involved of making this real state mess and between of scammers and liers the value of the housesd went down 50%. So now, if i sell this 1st house for less money than i owe to CHASE which is 330,000 and selling for 135,000, would they take my other retirement home in oth4r state and take the difference? by selling it or else? i really want to know. the mortgage bank is different in 2nd hom. irma
2010-06-04, 00:00:04   (updated: 2010-06-04, 00:03:07)
anonymous from Nekoosa, United States  
About 18 months ago I was in an accident that put me out of work for 6 months. I had a strictly commission job with no unemployment, workers comp or disability. Needless to say I had no money coming in. I immediatly started calling my banks to work out arrangments. They were not very helpful. Finally I was able to do a trial loan modification with my first mortgage(Wells Fargo). I am still waiting for final approval on that. My second mortgager(Associated Bank) has not even stepped up to the plate in trying to work with me. Lets say I owe $320K on my home $220 with WF and $100K with Associated. My home is now only worth $290K. Can I sell my home for $290K pay off WF in full and then offer the rest (70K minus realtor expenses and closing costs) to Associated? Will they then accept this payment as in full and let us move on? Please help!
2011-10-16, 06:41:58
anonymous from Denmark  
Hei

I really got many of this letters now from scrammers.

I fell they hunting me

Are they work toghether nobody knews that???????


Querido amigo,

Hola, mi nombre es graciela brownbarrios, soy un ciudadano español. Vivo en Madrid y trabajar con La Caixa Banco de España. No quiero molestar pero esto es algo que tengo que compartir con usted en privado, ha sido molestar a mi mente y ahora me siento como tratando de ver si puedo hablar con alguien acerca de él. En primer lugar. Estoy pidiendo por su confianza en esta conversación, esto es debido a la naturaleza de lo que quiero decirles. Es confidencial y top secreto, aunque sé que hará una conversación así nadie le preocupaba, pero estoy asegurando que todos estarán bien al final.

Puede sorprender que recibas esta carta de mí, ya que no hubo ninguna correspondencia anterior entre nosotros. Se trata sobre una mujer que abrió una cuenta de depósito fija en el banco donde trabajo. Ella murió junto su familia inmediata durante el desastre de exploración de Gas que se produjo en Surabaya, en Java oriental de Indonesia el 13 de julio de 2006. Desde entonces, todos mis varias investigaciones aquí para buscar cualquiera de nuestros client´s extendido familiares ha resultado infructuosos. Por eso decidí buscar su cooperación para colaborar conmigo en la transferencia de este dinero para que los familiares y el beneficiario de este ingreso fijo por valor de 6.000.000 millones de euros. Esta transacción se realizará profesionalmente en un procedimiento legal eficaz.

He estado mirando a alguien con quien llevar a cabo esta transacción Temiendo qué reacción people´s podría ser. Sé que biológicamente son ajenos a ella pero ya siguen ocupando una posición de importancia en este banco, yo puedo arreglar las cosas. Si no hacemos algo ahora y presentarle como miembro de su familia (heredero/heredero) para presentar reclamación, el dinero será confiscado y llevado a la Oficina de seguridad diplomática como no reclamados.

En relación con esto, voy a pedir su consentimiento para presentar como los familiares a los fallecidos para que el dinero depositado fijo sería liberado a usted y el dinero será más compartido entre nosotros en la proporción de 60% a mí mismo y a el 40%. Esta transacción es totalmente libre, que utilizaré mi posición como la cabeza de nuestro departamento de operaciones exteriores de Bank´s durante muchos años para garantizar la ejecución exitosa de esta transacción de riesgo.

No es necesario hacer las gastos o pagos, financiero o de otro tipo. Todo deseo de ustedes es su cooperación sincera que nos permitan ver esta transacción a través de. Garantizo que esta operación iba a ser ejecutada bajo régimen legítimo que le protegerá de cualquier violación de la ley. Estoy esperando su respuesta, entonces voy a proporcionarle más información y documentos pertinentes que le ayudará a comprenden bien esta transacción.

Sin embargo, si esta propuesta de negocio ofende su ética moral, por favor acepte mis disculpas más sinceras, pero si por el contrario desea alcanzar esta meta conmigo, get amablemente volver a mí con su interés para más explicaciones

Dear friend ,
Hello, my name is graciela brownbarrios, i am a Spanish citizen. I live in Madrid Spain and work with La Caixa Bank of Spain. I do not mean to bother you but this is something i have to share with you in private, it has been disturbing my mind and now i feel like trying to see if i can talk to someone about it. First of all. I am asking for your confidence in this conversation, this is because of the nature of what i want to tell you. It is confidential and top secret, though I know that a conversation like this will make anyone worried, but I am assuring you that all will be well at the end.
It may surprise you receiving this letter from me, since there was no previous correspondence between us. This is about a woman who opened a fixed deposit account with the Bank where i work. She died along side her immediate family during the Gas exploration disaster which occurred in Surabaya in East Java Indonesia on 13 Jul 2006 . Since then, all my several inquiries here to locate any of our client´s extended relatives has proved unsuccessful. This is why I decided to seek your co-operation to collaborate with me in transferring this money to you as the next of kin and beneficiary of this fixed deposit worth 6,000,000 million euros. This transaction will be professionally conducted in an effective legal procedure.
I have been looking for someone with whom to carry out this transaction fearing what people´s reaction might be. I know you are not biologically related to her but since i still occupy a position of importance in this Bank, I can fix things up. If we fail to do something now and present you as member of her family (heir/inheritor) to make claim, the money will be confiscated and taken to the bureau of Diplomatic Security as unclaimed.
With regards to this, I seek your consent to present you as the next of kin to the deceased so that the fixed deposited money would be released to you and the money will be further shared between us on the ratio of 60% to myself and 40% to you. This transaction is entirely risk free, i will use my position as the head of our Bank´s external operations department for many years to guarantee the successful execution of this transaction.
You are not required to make any expenses or payment, financially or otherwise. All I require of you is your honest co-operation to enable us see this transaction through. I guarantee that this transaction would be executed under legitimate arrangement that will protect you from any breach of the law. I am waiting for your response, I shall then provide you with more details and relevant documents that will help you understand this transaction well.
However, if this business proposal offends your moral ethics, please do accept my sincere apology, but if on the contrary you wish to achieve this goal with me, kindly get back to me with your interest for further explanations
Meanwhile if you have accepted to work with me, tell me in your reply so that i will tell you the time you can call the bank nextweek, because i want you to call the bank when i will be at work. I am waiting for your reply.
Please send your full name and address as it is in your identity card, i want to put it in the computer account´s record of our late client when i go to work on monday. We have to do this on monday so that when you call the bank nextweek and make claims, there will be no problem when they go to check the computer account record of our late client, because they will find your name there as the beneficiary
graciela brownbarrios (gracielabrownbarrios@europe.com)
would like to be added to your Friends list!
By accepting as your friend, you will be able to send personal messages,
add comments to personal page, and network with friends.

Accept Decline

Hi ,

has added you to friends list!




2011-10-16, 06:42:11
anonymous from Denmark  
Hei

I really got many of this letters now from scrammers.

I fell they hunting me

Are they work toghether nobody knews that???????


Querido amigo,

Hola, mi nombre es graciela brownbarrios, soy un ciudadano español. Vivo en Madrid y trabajar con La Caixa Banco de España. No quiero molestar pero esto es algo que tengo que compartir con usted en privado, ha sido molestar a mi mente y ahora me siento como tratando de ver si puedo hablar con alguien acerca de él. En primer lugar. Estoy pidiendo por su confianza en esta conversación, esto es debido a la naturaleza de lo que quiero decirles. Es confidencial y top secreto, aunque sé que hará una conversación así nadie le preocupaba, pero estoy asegurando que todos estarán bien al final.

Puede sorprender que recibas esta carta de mí, ya que no hubo ninguna correspondencia anterior entre nosotros. Se trata sobre una mujer que abrió una cuenta de depósito fija en el banco donde trabajo. Ella murió junto su familia inmediata durante el desastre de exploración de Gas que se produjo en Surabaya, en Java oriental de Indonesia el 13 de julio de 2006. Desde entonces, todos mis varias investigaciones aquí para buscar cualquiera de nuestros client´s extendido familiares ha resultado infructuosos. Por eso decidí buscar su cooperación para colaborar conmigo en la transferencia de este dinero para que los familiares y el beneficiario de este ingreso fijo por valor de 6.000.000 millones de euros. Esta transacción se realizará profesionalmente en un procedimiento legal eficaz.

He estado mirando a alguien con quien llevar a cabo esta transacción Temiendo qué reacción people´s podría ser. Sé que biológicamente son ajenos a ella pero ya siguen ocupando una posición de importancia en este banco, yo puedo arreglar las cosas. Si no hacemos algo ahora y presentarle como miembro de su familia (heredero/heredero) para presentar reclamación, el dinero será confiscado y llevado a la Oficina de seguridad diplomática como no reclamados.

En relación con esto, voy a pedir su consentimiento para presentar como los familiares a los fallecidos para que el dinero depositado fijo sería liberado a usted y el dinero será más compartido entre nosotros en la proporción de 60% a mí mismo y a el 40%. Esta transacción es totalmente libre, que utilizaré mi posición como la cabeza de nuestro departamento de operaciones exteriores de Bank´s durante muchos años para garantizar la ejecución exitosa de esta transacción de riesgo.

No es necesario hacer las gastos o pagos, financiero o de otro tipo. Todo deseo de ustedes es su cooperación sincera que nos permitan ver esta transacción a través de. Garantizo que esta operación iba a ser ejecutada bajo régimen legítimo que le protegerá de cualquier violación de la ley. Estoy esperando su respuesta, entonces voy a proporcionarle más información y documentos pertinentes que le ayudará a comprenden bien esta transacción.

Sin embargo, si esta propuesta de negocio ofende su ética moral, por favor acepte mis disculpas más sinceras, pero si por el contrario desea alcanzar esta meta conmigo, get amablemente volver a mí con su interés para más explicaciones

Dear friend ,
Hello, my name is graciela brownbarrios, i am a Spanish citizen. I live in Madrid Spain and work with La Caixa Bank of Spain. I do not mean to bother you but this is something i have to share with you in private, it has been disturbing my mind and now i feel like trying to see if i can talk to someone about it. First of all. I am asking for your confidence in this conversation, this is because of the nature of what i want to tell you. It is confidential and top secret, though I know that a conversation like this will make anyone worried, but I am assuring you that all will be well at the end.
It may surprise you receiving this letter from me, since there was no previous correspondence between us. This is about a woman who opened a fixed deposit account with the Bank where i work. She died along side her immediate family during the Gas exploration disaster which occurred in Surabaya in East Java Indonesia on 13 Jul 2006 . Since then, all my several inquiries here to locate any of our client´s extended relatives has proved unsuccessful. This is why I decided to seek your co-operation to collaborate with me in transferring this money to you as the next of kin and beneficiary of this fixed deposit worth 6,000,000 million euros. This transaction will be professionally conducted in an effective legal procedure.
I have been looking for someone with whom to carry out this transaction fearing what people´s reaction might be. I know you are not biologically related to her but since i still occupy a position of importance in this Bank, I can fix things up. If we fail to do something now and present you as member of her family (heir/inheritor) to make claim, the money will be confiscated and taken to the bureau of Diplomatic Security as unclaimed.
With regards to this, I seek your consent to present you as the next of kin to the deceased so that the fixed deposited money would be released to you and the money will be further shared between us on the ratio of 60% to myself and 40% to you. This transaction is entirely risk free, i will use my position as the head of our Bank´s external operations department for many years to guarantee the successful execution of this transaction.
You are not required to make any expenses or payment, financially or otherwise. All I require of you is your honest co-operation to enable us see this transaction through. I guarantee that this transaction would be executed under legitimate arrangement that will protect you from any breach of the law. I am waiting for your response, I shall then provide you with more details and relevant documents that will help you understand this transaction well.
However, if this business proposal offends your moral ethics, please do accept my sincere apology, but if on the contrary you wish to achieve this goal with me, kindly get back to me with your interest for further explanations
Meanwhile if you have accepted to work with me, tell me in your reply so that i will tell you the time you can call the bank nextweek, because i want you to call the bank when i will be at work. I am waiting for your reply.
Please send your full name and address as it is in your identity card, i want to put it in the computer account´s record of our late client when i go to work on monday. We have to do this on monday so that when you call the bank nextweek and make claims, there will be no problem when they go to check the computer account record of our late client, because they will find your name there as the beneficiary
graciela brownbarrios (gracielabrownbarrios@europe.com)
would like to be added to your Friends list!
By accepting as your friend, you will be able to send personal messages,
add comments to personal page, and network with friends.

Accept Decline

Hi ,

has added you to friends list!




2011-10-16, 06:42:17
anonymous from Denmark  
Hei

I really got many of this letters now from scrammers.

I fell they hunting me

Are they work toghether nobody knews that???????


Querido amigo,

Hola, mi nombre es graciela brownbarrios, soy un ciudadano español. Vivo en Madrid y trabajar con La Caixa Banco de España. No quiero molestar pero esto es algo que tengo que compartir con usted en privado, ha sido molestar a mi mente y ahora me siento como tratando de ver si puedo hablar con alguien acerca de él. En primer lugar. Estoy pidiendo por su confianza en esta conversación, esto es debido a la naturaleza de lo que quiero decirles. Es confidencial y top secreto, aunque sé que hará una conversación así nadie le preocupaba, pero estoy asegurando que todos estarán bien al final.

Puede sorprender que recibas esta carta de mí, ya que no hubo ninguna correspondencia anterior entre nosotros. Se trata sobre una mujer que abrió una cuenta de depósito fija en el banco donde trabajo. Ella murió junto su familia inmediata durante el desastre de exploración de Gas que se produjo en Surabaya, en Java oriental de Indonesia el 13 de julio de 2006. Desde entonces, todos mis varias investigaciones aquí para buscar cualquiera de nuestros client´s extendido familiares ha resultado infructuosos. Por eso decidí buscar su cooperación para colaborar conmigo en la transferencia de este dinero para que los familiares y el beneficiario de este ingreso fijo por valor de 6.000.000 millones de euros. Esta transacción se realizará profesionalmente en un procedimiento legal eficaz.

He estado mirando a alguien con quien llevar a cabo esta transacción Temiendo qué reacción people´s podría ser. Sé que biológicamente son ajenos a ella pero ya siguen ocupando una posición de importancia en este banco, yo puedo arreglar las cosas. Si no hacemos algo ahora y presentarle como miembro de su familia (heredero/heredero) para presentar reclamación, el dinero será confiscado y llevado a la Oficina de seguridad diplomática como no reclamados.

En relación con esto, voy a pedir su consentimiento para presentar como los familiares a los fallecidos para que el dinero depositado fijo sería liberado a usted y el dinero será más compartido entre nosotros en la proporción de 60% a mí mismo y a el 40%. Esta transacción es totalmente libre, que utilizaré mi posición como la cabeza de nuestro departamento de operaciones exteriores de Bank´s durante muchos años para garantizar la ejecución exitosa de esta transacción de riesgo.

No es necesario hacer las gastos o pagos, financiero o de otro tipo. Todo deseo de ustedes es su cooperación sincera que nos permitan ver esta transacción a través de. Garantizo que esta operación iba a ser ejecutada bajo régimen legítimo que le protegerá de cualquier violación de la ley. Estoy esperando su respuesta, entonces voy a proporcionarle más información y documentos pertinentes que le ayudará a comprenden bien esta transacción.

Sin embargo, si esta propuesta de negocio ofende su ética moral, por favor acepte mis disculpas más sinceras, pero si por el contrario desea alcanzar esta meta conmigo, get amablemente volver a mí con su interés para más explicaciones

Dear friend ,
Hello, my name is graciela brownbarrios, i am a Spanish citizen. I live in Madrid Spain and work with La Caixa Bank of Spain. I do not mean to bother you but this is something i have to share with you in private, it has been disturbing my mind and now i feel like trying to see if i can talk to someone about it. First of all. I am asking for your confidence in this conversation, this is because of the nature of what i want to tell you. It is confidential and top secret, though I know that a conversation like this will make anyone worried, but I am assuring you that all will be well at the end.
It may surprise you receiving this letter from me, since there was no previous correspondence between us. This is about a woman who opened a fixed deposit account with the Bank where i work. She died along side her immediate family during the Gas exploration disaster which occurred in Surabaya in East Java Indonesia on 13 Jul 2006 . Since then, all my several inquiries here to locate any of our client´s extended relatives has proved unsuccessful. This is why I decided to seek your co-operation to collaborate with me in transferring this money to you as the next of kin and beneficiary of this fixed deposit worth 6,000,000 million euros. This transaction will be professionally conducted in an effective legal procedure.
I have been looking for someone with whom to carry out this transaction fearing what people´s reaction might be. I know you are not biologically related to her but since i still occupy a position of importance in this Bank, I can fix things up. If we fail to do something now and present you as member of her family (heir/inheritor) to make claim, the money will be confiscated and taken to the bureau of Diplomatic Security as unclaimed.
With regards to this, I seek your consent to present you as the next of kin to the deceased so that the fixed deposited money would be released to you and the money will be further shared between us on the ratio of 60% to myself and 40% to you. This transaction is entirely risk free, i will use my position as the head of our Bank´s external operations department for many years to guarantee the successful execution of this transaction.
You are not required to make any expenses or payment, financially or otherwise. All I require of you is your honest co-operation to enable us see this transaction through. I guarantee that this transaction would be executed under legitimate arrangement that will protect you from any breach of the law. I am waiting for your response, I shall then provide you with more details and relevant documents that will help you understand this transaction well.
However, if this business proposal offends your moral ethics, please do accept my sincere apology, but if on the contrary you wish to achieve this goal with me, kindly get back to me with your interest for further explanations
Meanwhile if you have accepted to work with me, tell me in your reply so that i will tell you the time you can call the bank nextweek, because i want you to call the bank when i will be at work. I am waiting for your reply.
Please send your full name and address as it is in your identity card, i want to put it in the computer account´s record of our late client when i go to work on monday. We have to do this on monday so that when you call the bank nextweek and make claims, there will be no problem when they go to check the computer account record of our late client, because they will find your name there as the beneficiary
graciela brownbarrios (gracielabrownbarrios@europe.com)
would like to be added to your Friends list!
By accepting as your friend, you will be able to send personal messages,
add comments to personal page, and network with friends.

Accept Decline

Hi ,

has added you to friends list!




2011-10-16, 06:42:25
anonymous from Denmark  
Hei

I really got many of this letters now from scrammers.

I fell they hunting me

Are they work toghether nobody knews that???????


Querido amigo,

Hola, mi nombre es graciela brownbarrios, soy un ciudadano español. Vivo en Madrid y trabajar con La Caixa Banco de España. No quiero molestar pero esto es algo que tengo que compartir con usted en privado, ha sido molestar a mi mente y ahora me siento como tratando de ver si puedo hablar con alguien acerca de él. En primer lugar. Estoy pidiendo por su confianza en esta conversación, esto es debido a la naturaleza de lo que quiero decirles. Es confidencial y top secreto, aunque sé que hará una conversación así nadie le preocupaba, pero estoy asegurando que todos estarán bien al final.

Puede sorprender que recibas esta carta de mí, ya que no hubo ninguna correspondencia anterior entre nosotros. Se trata sobre una mujer que abrió una cuenta de depósito fija en el banco donde trabajo. Ella murió junto su familia inmediata durante el desastre de exploración de Gas que se produjo en Surabaya, en Java oriental de Indonesia el 13 de julio de 2006. Desde entonces, todos mis varias investigaciones aquí para buscar cualquiera de nuestros client´s extendido familiares ha resultado infructuosos. Por eso decidí buscar su cooperación para colaborar conmigo en la transferencia de este dinero para que los familiares y el beneficiario de este ingreso fijo por valor de 6.000.000 millones de euros. Esta transacción se realizará profesionalmente en un procedimiento legal eficaz.

He estado mirando a alguien con quien llevar a cabo esta transacción Temiendo qué reacción people´s podría ser. Sé que biológicamente son ajenos a ella pero ya siguen ocupando una posición de importancia en este banco, yo puedo arreglar las cosas. Si no hacemos algo ahora y presentarle como miembro de su familia (heredero/heredero) para presentar reclamación, el dinero será confiscado y llevado a la Oficina de seguridad diplomática como no reclamados.

En relación con esto, voy a pedir su consentimiento para presentar como los familiares a los fallecidos para que el dinero depositado fijo sería liberado a usted y el dinero será más compartido entre nosotros en la proporción de 60% a mí mismo y a el 40%. Esta transacción es totalmente libre, que utilizaré mi posición como la cabeza de nuestro departamento de operaciones exteriores de Bank´s durante muchos años para garantizar la ejecución exitosa de esta transacción de riesgo.

No es necesario hacer las gastos o pagos, financiero o de otro tipo. Todo deseo de ustedes es su cooperación sincera que nos permitan ver esta transacción a través de. Garantizo que esta operación iba a ser ejecutada bajo régimen legítimo que le protegerá de cualquier violación de la ley. Estoy esperando su respuesta, entonces voy a proporcionarle más información y documentos pertinentes que le ayudará a comprenden bien esta transacción.

Sin embargo, si esta propuesta de negocio ofende su ética moral, por favor acepte mis disculpas más sinceras, pero si por el contrario desea alcanzar esta meta conmigo, get amablemente volver a mí con su interés para más explicaciones

Dear friend ,
Hello, my name is graciela brownbarrios, i am a Spanish citizen. I live in Madrid Spain and work with La Caixa Bank of Spain. I do not mean to bother you but this is something i have to share with you in private, it has been disturbing my mind and now i feel like trying to see if i can talk to someone about it. First of all. I am asking for your confidence in this conversation, this is because of the nature of what i want to tell you. It is confidential and top secret, though I know that a conversation like this will make anyone worried, but I am assuring you that all will be well at the end.
It may surprise you receiving this letter from me, since there was no previous correspondence between us. This is about a woman who opened a fixed deposit account with the Bank where i work. She died along side her immediate family during the Gas exploration disaster which occurred in Surabaya in East Java Indonesia on 13 Jul 2006 . Since then, all my several inquiries here to locate any of our client´s extended relatives has proved unsuccessful. This is why I decided to seek your co-operation to collaborate with me in transferring this money to you as the next of kin and beneficiary of this fixed deposit worth 6,000,000 million euros. This transaction will be professionally conducted in an effective legal procedure.
I have been looking for someone with whom to carry out this transaction fearing what people´s reaction might be. I know you are not biologically related to her but since i still occupy a position of importance in this Bank, I can fix things up. If we fail to do something now and present you as member of her family (heir/inheritor) to make claim, the money will be confiscated and taken to the bureau of Diplomatic Security as unclaimed.
With regards to this, I seek your consent to present you as the next of kin to the deceased so that the fixed deposited money would be released to you and the money will be further shared between us on the ratio of 60% to myself and 40% to you. This transaction is entirely risk free, i will use my position as the head of our Bank´s external operations department for many years to guarantee the successful execution of this transaction.
You are not required to make any expenses or payment, financially or otherwise. All I require of you is your honest co-operation to enable us see this transaction through. I guarantee that this transaction would be executed under legitimate arrangement that will protect you from any breach of the law. I am waiting for your response, I shall then provide you with more details and relevant documents that will help you understand this transaction well.
However, if this business proposal offends your moral ethics, please do accept my sincere apology, but if on the contrary you wish to achieve this goal with me, kindly get back to me with your interest for further explanations
Meanwhile if you have accepted to work with me, tell me in your reply so that i will tell you the time you can call the bank nextweek, because i want you to call the bank when i will be at work. I am waiting for your reply.
Please send your full name and address as it is in your identity card, i want to put it in the computer account´s record of our late client when i go to work on monday. We have to do this on monday so that when you call the bank nextweek and make claims, there will be no problem when they go to check the computer account record of our late client, because they will find your name there as the beneficiary
graciela brownbarrios (gracielabrownbarrios@europe.com)
would like to be added to your Friends list!
By accepting as your friend, you will be able to send personal messages,
add comments to personal page, and network with friends.

Accept Decline

Hi ,

has added you to friends list!




2011-10-16, 06:42:25
anonymous from Denmark  
Hei

I really got many of this letters now from scrammers.

I fell they hunting me

Are they work toghether nobody knews that???????


Querido amigo,

Hola, mi nombre es graciela brownbarrios, soy un ciudadano español. Vivo en Madrid y trabajar con La Caixa Banco de España. No quiero molestar pero esto es algo que tengo que compartir con usted en privado, ha sido molestar a mi mente y ahora me siento como tratando de ver si puedo hablar con alguien acerca de él. En primer lugar. Estoy pidiendo por su confianza en esta conversación, esto es debido a la naturaleza de lo que quiero decirles. Es confidencial y top secreto, aunque sé que hará una conversación así nadie le preocupaba, pero estoy asegurando que todos estarán bien al final.

Puede sorprender que recibas esta carta de mí, ya que no hubo ninguna correspondencia anterior entre nosotros. Se trata sobre una mujer que abrió una cuenta de depósito fija en el banco donde trabajo. Ella murió junto su familia inmediata durante el desastre de exploración de Gas que se produjo en Surabaya, en Java oriental de Indonesia el 13 de julio de 2006. Desde entonces, todos mis varias investigaciones aquí para buscar cualquiera de nuestros client´s extendido familiares ha resultado infructuosos. Por eso decidí buscar su cooperación para colaborar conmigo en la transferencia de este dinero para que los familiares y el beneficiario de este ingreso fijo por valor de 6.000.000 millones de euros. Esta transacción se realizará profesionalmente en un procedimiento legal eficaz.

He estado mirando a alguien con quien llevar a cabo esta transacción Temiendo qué reacción people´s podría ser. Sé que biológicamente son ajenos a ella pero ya siguen ocupando una posición de importancia en este banco, yo puedo arreglar las cosas. Si no hacemos algo ahora y presentarle como miembro de su familia (heredero/heredero) para presentar reclamación, el dinero será confiscado y llevado a la Oficina de seguridad diplomática como no reclamados.

En relación con esto, voy a pedir su consentimiento para presentar como los familiares a los fallecidos para que el dinero depositado fijo sería liberado a usted y el dinero será más compartido entre nosotros en la proporción de 60% a mí mismo y a el 40%. Esta transacción es totalmente libre, que utilizaré mi posición como la cabeza de nuestro departamento de operaciones exteriores de Bank´s durante muchos años para garantizar la ejecución exitosa de esta transacción de riesgo.

No es necesario hacer las gastos o pagos, financiero o de otro tipo. Todo deseo de ustedes es su cooperación sincera que nos permitan ver esta transacción a través de. Garantizo que esta operación iba a ser ejecutada bajo régimen legítimo que le protegerá de cualquier violación de la ley. Estoy esperando su respuesta, entonces voy a proporcionarle más información y documentos pertinentes que le ayudará a comprenden bien esta transacción.

Sin embargo, si esta propuesta de negocio ofende su ética moral, por favor acepte mis disculpas más sinceras, pero si por el contrario desea alcanzar esta meta conmigo, get amablemente volver a mí con su interés para más explicaciones

Dear friend ,
Hello, my name is graciela brownbarrios, i am a Spanish citizen. I live in Madrid Spain and work with La Caixa Bank of Spain. I do not mean to bother you but this is something i have to share with you in private, it has been disturbing my mind and now i feel like trying to see if i can talk to someone about it. First of all. I am asking for your confidence in this conversation, this is because of the nature of what i want to tell you. It is confidential and top secret, though I know that a conversation like this will make anyone worried, but I am assuring you that all will be well at the end.
It may surprise you receiving this letter from me, since there was no previous correspondence between us. This is about a woman who opened a fixed deposit account with the Bank where i work. She died along side her immediate family during the Gas exploration disaster which occurred in Surabaya in East Java Indonesia on 13 Jul 2006 . Since then, all my several inquiries here to locate any of our client´s extended relatives has proved unsuccessful. This is why I decided to seek your co-operation to collaborate with me in transferring this money to you as the next of kin and beneficiary of this fixed deposit worth 6,000,000 million euros. This transaction will be professionally conducted in an effective legal procedure.
I have been looking for someone with whom to carry out this transaction fearing what people´s reaction might be. I know you are not biologically related to her but since i still occupy a position of importance in this Bank, I can fix things up. If we fail to do something now and present you as member of her family (heir/inheritor) to make claim, the money will be confiscated and taken to the bureau of Diplomatic Security as unclaimed.
With regards to this, I seek your consent to present you as the next of kin to the deceased so that the fixed deposited money would be released to you and the money will be further shared between us on the ratio of 60% to myself and 40% to you. This transaction is entirely risk free, i will use my position as the head of our Bank´s external operations department for many years to guarantee the successful execution of this transaction.
You are not required to make any expenses or payment, financially or otherwise. All I require of you is your honest co-operation to enable us see this transaction through. I guarantee that this transaction would be executed under legitimate arrangement that will protect you from any breach of the law. I am waiting for your response, I shall then provide you with more details and relevant documents that will help you understand this transaction well.
However, if this business proposal offends your moral ethics, please do accept my sincere apology, but if on the contrary you wish to achieve this goal with me, kindly get back to me with your interest for further explanations
Meanwhile if you have accepted to work with me, tell me in your reply so that i will tell you the time you can call the bank nextweek, because i want you to call the bank when i will be at work. I am waiting for your reply.
Please send your full name and address as it is in your identity card, i want to put it in the computer account´s record of our late client when i go to work on monday. We have to do this on monday so that when you call the bank nextweek and make claims, there will be no problem when they go to check the computer account record of our late client, because they will find your name there as the beneficiary
graciela brownbarrios (gracielabrownbarrios@europe.com)
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2011-11-21, 17:06:29
anonymous  
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2013-05-20, 19:19:48
moorepilot1@yahoo.com from Santee, United States  
I Have a short sale due to close June 5th. I also have a second and B of A sitting on there butts. B of A has both loans. will the second also be closed. Thank you Jim
2013-12-31, 11:03:55
[hidden] from United States  
rating
Hello, we claimed a bankruptcy back in 2008. We were told that we were REQUIRED to list our home mortgages on the bankruptcy list, We were very reluctant to do this, because we were certain we would lose our only place of residency. We were advised to sign 'PROMISE TO PAY' papers with both mortgages. We signed them, and the 2nd mortgage agreed, but the 1ns mortgage, the most important- REJECTED our claim to pay them.
WE FEEL AS THOUGH WE WERE SCREWED OVER INTO PAYING THE 2ND MORTGAGE, WHEN IT COULD HAVE WENT THRU AS A BANKRUPTCY. IF WE WOULD HAVE KNOWN THE THE 1ST MORTGAGE WOULD REJECT OUR PROMISE TO PAY, WE WOULD HAVE NEVER MESSED WITH TRYING TO PROMISE ANYTHING TO THE 2ND MORTGAGE. WE JUST SIGNED PAPERS TO PAY THE 2ND MORTGAGE OVER 18,000 DOLLARS!!!

NOW THEN, OUR 1ST MORTGAGE WAS FORECLOSING ON US, AND THE 2ND MORTGAGE HELD THIS PROMISE TO PAY AGREEMENT OVER OUR HEADS, WHEN WE TRIED TO GET A SHORT SALE DONE ON OUR HOME. THE 2ND MORTGAGE PUT A LIEN ON OUR HOME TO KEEP IT FROM SELLING, UNLESS WE PAID THEM $1,000 AND $75 PER MONTH AUTO DEDUCT WITH NO INTEREST, OTHERWISE, THEY WOULD KEEP THE SHORT SALE FROM GOING THRU.
THEY FINALLY TOOK THE LIEN OFF THE HOME AND THE SHORT SALE WENT THRU.
AN INVESTOR BOUGHT OUR HOME, AND RENTS IT BACK TO US FOR 5 YEARS. WE HAVE THE OPTION OF BUYING IT BACK OR LETTING IT SELL AFTER THE 5 YEARS ARE UP.
THE 2ND MORTGAGE- ALTERED AGREEMENT IS AFFECTING MY CREDIT FOR THE WORST.
THEY ARE STILL SHOWING A LATE PAYMENT FROM OVER 4 YEARS AGO, AND MOSTLY SHOWING POOR CREDIT WITH THEM BECAUSE WE HAVE AN ALTERED AGREEMENT.
WHAT CAN WE DO?

WERE WE TRICKED? IS THERE ANYTHING WE CAN DO ABOUT THIS NOW?
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