@ARC13 wrote:My ex-husband and I purchased an "investment" property in Fl around 2004. The property went into default, we had a short sale that fell through due to the 2nd mortgage. (The 1st agreed to the short sale, the 2nd did not) The home was foreclosed and the 2nd mortgage was sold to Real Time Resolutions. The amount still owed is 58,000. I have since divorced and although according to my credit report, I have zero debt other than this second mortgage, I cannot get a mortgage in my name. The home I live in is in my sister and brother in law's name. I pay 100% of it. My car is paid off and I have no credit card debt. This second mortgage is the only thing holding me back from being able to put my house in my name and get the tax benefits. I would be willing to settle for under 10% of the amount owed just to clear my credit report but in all that I've read about Real Time Resolutions tells me that they are very difficult to deal with. I have disconnected my home phone and they do not have my cell phone so they no longer contact me. Any advice you can give as to the best way to proceed so that I can clear this would be greatly appreciated!
when was the foreclosure ??
