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As a 1099 employee, for tax purposes you should get a 1099 form for your taxes sometime in January 2010. You might want to find out what you need to do in case you don't get anything from her. So many Spanish speaking people are being taken advantage of because of the language barrier. There are...

When you apply for a mortgage loan and your loan officer contacts a bank they are given a certain date to have all paperwork done. They are given the terms and interest rate. If the loan officer deems prudent he/she "locks" in the loan, meaning that they agree on the interest rate and it will...

Technically, the bank can garnish your wages after a foreclosure if the judgment amount that they receive is in excess of the amount that they receive for the sale of the property. This is a simple answer to a general set of facts. Your situation should be investigated with your lawyer. The...

If the property is in default (going through a foreclosure), you are still liable for the rent with the landlord. If you don't pay he can start the eviction process. Technically he is still the owner. You are still responsible for as long as it takes for the house to go to auction. Once the...

Mortgage transactions need to be put in to contract and notarized. You were paying the mortgage with your rent for as long as you were renting. If you paided it directly it sounds as if you were managing the mortgage. Verbal agreements are hard to fight in court. Was there an lease agreement...

Any non payments on your credit report will drop your score. The mortgage having the biggest impact. You have to do what makes the most sense for you. If bankruptcy could help you save your home, you might want to look into it. Of coarse it will have a negative impact on your credit but it...

You need some document from the institution that had your mortgage that the loan has been paid off. With that they cannot later come and say you still owe them money, and make sure there are no other liens on your house. A lien is a document filed at the county recorders stating that they have...

I hear they have 1% interest rates in Canada It sounds as though he took an application on you. The truth-in-lending is sent to thoes who apply for credit. Your credit must have been pulled and then evaluated. Most likely the GFE was also automaticly put together to protect the bank. Credit...

The mortgage is absolutly illegal!!! Your daughter is on the loan but did not sign!! Also, you did not even know she was on the loan!! Take them to court and get what you deserve. A large settlement!!!

us loan auditors Demand the Note from the lender to prove it is their house!! -Kenny Kempton