Just my cocky response to a creditor regarding a bankruptcy client.On Mon, Mar 28, 2011 at 1:28 PM, Haytham <haytham@puckettfaraj.com> wrote:
What's this aboutHaytham FarajSent from my iPhoneYour client wholly failed to honor its HAMP commitment/obligation and forced my single-parent client into bankruptcy. I doubt my client would now be interested in retaining.I am anxious to see what the banks plan on doing with the excess inventory of homes they possess in this declining market (especially once interest rates begin to soar). Maybe Chase will incorporate a property management arm.On Mon, Mar 28, 2011 at 12:27 PM, Juel D. Hinton <jhinton@trottlaw.com> wrote:
Trott & Trott
A PROFESSIONAL CORPORATION
HEADQUARTERS:
31440 Northwestern Highway l Suite 200
Farmington Hills, MI 48334
248-642-2515 l Fax 248-642-3628
GRAND RAPIDS:
4024 Park East Court l Suite B
Grand Rapids, MI 49546
616-942-0893 l Fax 616-942-0921
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE
March 28, 2011
Nemer Hadous
Attorney for Debtor
500 N. Beech Daly
Dearborn Heights, MI 48127
Re: Tiffini Jones
501 Emmons Blvd
Lincoln Park, MI 48146-3146
T&T #368646B01
Loan #0024262149
Ch. 7 #11-48125
Dear Mr. Hadous :
We represent Chase Home Finance LLC regarding the above loan. Chase has requested that we contact you to determine whether your client is interested in non-bankruptcy alternatives to cure the delinquency.
These options may include:
Modifying the loan - This could involve recapitalizing the delinquent mortgage payments, extending the maturity date, and/or reducing the interest rate. If there are any junior encumbrances, you will need to obtain a subordination agreement from them.
Selling the property - In situations where the value of the property does not exceed the outstanding debt, compromises can be made to help in the sale of the property at the fair market value.
Deed In Lieu of Foreclosure - Should a situation arise where the Debtor cannot afford to keep the property, has been unable to sell the property at fair market value, and there are no junior encumbrances, the loan investor may be agreeable to pursuing this option.
My client wants to help its homeowners. We ask that you consult with your client regarding these alternatives. If the Debtor
would like to pursue one of the above options we must hear from you within five business days at Chaselossmit@trottlaw.com.
We will make our best efforts to work with your client; however, we cannot guarantee that any of the above-referenced alternatives will be approved and effectuated. Any agreements reached may require bankruptcy court approval.
Juel D. HintonBankruptcy Transition TeamTrott & Trott, P.C.Phone # 248-593-0489Fax # 248-205-4122This firm is a debt collector attempting to collect a debt. Any information we obtain will be used for that purpose.To the extent your original obligation has been discharged, or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance and/or informational purposes only and/or is notice of the creditorâs intent to enforce a lien against the property and does not constitute a demand for payment or an attempt to impose personal liability for such obligation
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HADOUSCO. |PLLC
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Nick N. HadousAdmitted:- State Bar of Arizona- State Bar of California- United States District Court,District of ArizonaEastern District of Michigan
____________________________________Direct: 313.415.5559
Office: 313.846.6300
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Email: nhadous@hadousco.com
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--____________________________________
HADOUSCO. |PLLC
Offices in Dearborn, MI and Scottsdale, AZ
Nick N. HadousAdmitted:- State Bar of Arizona- State Bar of California- United States District Court,District of ArizonaEastern District of Michigan
____________________________________Direct: 313.415.5559
Office: 313.846.6300
Fax: 313.846.6358
Email: nhadous@hadousco.com
www.hadousco.com
IRS CIRCULAR 230 DISCLOSURE: To ensure compliance with requirements imposed by the IRS, we inform you that, to the extent that this communication or any attachment addresses a tax matter, it was not written to be (and may not be) relied upon to (i) avoid tax-related penalties under the Internal Revenue Code; or (ii) promote, market or recommend to another party any transaction or matter addressed herein or in any such attachment.
CONFIDENTIALITY NOTICE: This email message and all attachments transmitted with it are intended solely for the use of the addressees and may contain legally privileged, protected or confidential information. If you have received this message in error, please notify the sender immediately by email reply and please delete this message from your computer and destroy any copies.