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[Thanks, I had thought that Scott was now answering for you.]

I'm thinking we're somehow discussing two different things, based on what you've written here.

In your example here, of course the...

This doesn't make any sense.

To what is this lien attached?

In the original question, the owner had an existing loan on the home and asked about adding the domestic partner to the loan, and...

Where is the IRS lien recorded?

I broached the subject of paying for your partner's sins in a previous post...

[BEFORE you do this, I think it would be smart to get a full credit report on your partner, as well as a background...

How does a transfer of ownership "cloud" the title, with regard to a mortgagee's interest in a property?



Is the purpose of a lien to prevent transfer or is it to establish priority of claim...

You need to make it absolutely clear to these other people that you don't want them to pull your credit more than once.

Also, when they know that they're competing for a loan, they'll often quote...

This is very common practice, particularly when people get married.

But do you honestly think that they spend any time investigating this?

As long as the original borrower is still on title,...

Almost none.

I believe that VA loans are assumable, but they only account for around 2% of all purchase loans. Factor in re-fi's and that percentage drops to less than 1%.

What would be you...

And yet the original poster will pull their own credit and find in the list of derogs that there have been too many recent inquiries.

With Fair, Isaac, it's all smoke and mirrors.

If it...

What do you want to do?

Keep the home?

Get rid of it?

Your answer will determine what needs to be done.

No lender will take a borrower's name off a mortgage, even in cases of divorce.

The only way to get a name "off" a mortgage is to sell the property or refinance and pay off the existing note.

No and no.

You do not need the lender's permssion to QC it to yourself and another person.

And, the lender will most likely NOT help you to do this.

You can contact your local county...

Depending on your parcel size, you have either a six or twelve month redemption period.

While most lenders are not going for judgments, you may face some serious challenges with that second. You...

I've heard of this sort of thing happening.

Another trend is that they'll have you go delinquent on accounts that were actually current to gain some leverage... which really helps the 'ol credit...

The unspoken assumption here is that the debt will not be replaced.

That involves a significant amount of behavior modification.

Some of us are still working on that... most of us haven't...

Why go through the hassle themselves?

Particularly if they have no experience or interest in this type of action?

Additionally, why would you suggest that they obtain financing, close the...

This is all well and good, but most real estate attorneys are not equipped to handle this kind of case.

And by the time the AG gets anything accomplished, the class action lawsuit reaches...

OCWEN is a scumbag company. And I've censored my true opinion.

And, frankly, the mortgage industry is generally sloppy, so this kind of thing happens frequently.

Yes, contact the title company...

Giving it back is one of the worst approaches you can take.

And, most lenders won't take a deed in lieu, for techno-legal reasons.

As mentioned previously, best to at least TRY to get it sold....

Dispute the debt through the 3 collection agencies. They will contact the CA to see if they have valid evidence of the debt.

If they don't produce within the allotted time, the derog is removed...

Your credit score is going to continue to decline as long as you're on the credit counseling plan.

And, you're going to have a difficult time qualifying for a mortgage while you're on this plan. ...

****I am not an attorney. This should not be construed as legal advice.****

Do you have any time after the foreclosure to try to sell the home?

Is anyone buying anything in your market?

Is...

****I am not an attorney, and this should not be construed as legal advice.****

Contact your local courthouse and find out where foreclosure actions are filed.

You'll probably need to go down...