Do you have expertise in NJ Real Estate Matters? I have not. I wanted to speak with someone pro bono on which direction

Expert's Assistant chat
Customer: Good afternoon. Do you have expertise in NJ Real Estate Matters?
JA: Have you talked to a NJ lawyer about this?
Customer: No, I have not. I wanted to speak with someone pro bono on which direction is best for our unusual situation. We also just moved to NC 3 months ago anticipating the sale of the NJ home, but problems were discovered and now the seller has backed out
JA: What steps have you taken so far?
Customer: Its a long story. Back in 2009 I lost my job due to the economic situation and we fell behind on our mortgage (there were 2 mortages in place a the time). We purchased the home in 2005.
JA: Is there anything else the Lawyer should know before I connect you? Rest assured that they'll be able to help you.
Customer: The mortgage company advised the 2nd mortgage was charged off (after the fact), but we were able to get a modification on the 1st mortgage. We were current when we tried to sell the home in Oct 2021. Thats when the title company found there was a 2nd lien still in place on the property. we went back and forth with the 2nd mortgage company - Real Time Resolutions (RTR) who never sent any monthly statements or notices Customer: Chat is completed
Answered by legalgems in 14 hours 7 months ago
imglogo
legalgems
10+ years of experience
logo

72158 Satisfied customers

Expert in: Family Law, Legal, Estate Law, Real Estate Law, Criminal Law, Employment Law, Business Law, Consumer Protection Law, Bankruptcy Law, Traffic Law, Personal Injury Law.

logoBack
logologo
legalgems
logo
logo
72158 Satisfied customers
logo
10+ years of experience
imglogo
legalgems
10+ years of experience
logo

72158 Satisfied customers

Jessica

Jessica

Consultant

31,131 Satisfied customers

Pearl avatar
Lawyer's, Assistant
116 Lawyers are online right now.
img

legalgems, Expert

Hello! I will be reviewing your question and posting a response momentarily; if you have any follow up questions please respond here. Thanks!
img

legalgems, Expert

I am sorry to hear this.   Are you asking if the lender can place a lien on the property if money is owed?
Customer
I am asking about the lien itself. The company, Real Time Resolutions stated they are a service provider for a mortgage company that is no longer in existence. My question is can they still "collect" on this debt. Also they never provided monthly statements for payment. They do not even show up on my credit report
img

legalgems, Expert

Goodness I am so sorry.  Yes if the lien is valid they can still collect. 

Many people are surprised to find out that a company need not report to the credit bureaus.   There is a fee associated with doing so so there are companies out there that don’t do so.

You would want an attorney to review the legal documents that led to the filing of the lien to see if there is any way to challenge it.

I am so sorry especially as it came as a surprise while selling the home.

Please don’t hesitate to reach out with any follow up questions.  Thank you.

Customer
can I send you a copy of some documents for review and your advise?
img

legalgems, Expert

Unfortunately reviewing legal documents and providing advice requires a private forum so your information is protected.   The site also does not allow us to represent customers of the site. If you contact the state bar they can provide a referral.  Did you have any questions on the above?
Customer
I am sure I will have s few. I have a conference call with my primary mortgage company in an hour
img

legalgems, Expert

Ok thank you.  Please post any follow up questions here when ready!

img

legalgems, Expert

Thank you kindly. I try and provide as much information as possible to the customers of the site, so I wanted to get you some information on how to hire an attorney should you determine that is necessary

Here is an article from the American Bar Association on how to hire an attorney, as well as a link to their referral program;

https://www.americanbar.org/groups/legal_services/flh-home/flh-hire-a-lawyer/

Many people find that useful.

This is very important as it explains how billing works

https://www.americanbar.org/groups/legal_services/milvets/aba_home_front/information_center/working_with_lawyer/fees_and_expenses/

I definitely hope all this information, as well as the information provided earlier, is helpful. Legal issues can be very stressful and so we try to provide information in an easy to understand manner; we are always available for follow up questions to ensure you are fully satisfied.

Please remember a personal attorney should always be consulted because the site only allows for general information for educational purposes only, per the terms of service.

Should you need further assistance, be sure and reach out to us here at Just Answer and we will do our best to get you that information!

As always, thank you for allowing me to assist you. I would be flattered if you considered requesting me for future legal questions. Here is my direct link:

https://www.justanswer.com/law/expert-legalgems/

As a reminder: estate planning should be reviewed annually or whenever there is a significant life change, so please feel free to explore the estate law forum should you have need for that! We also offer experts well versed in medical, veterinary and auto among other popular categories!

Have a WONDERFUL and of course a Safe and Prosperous 2022!

I hope this site has been helpful as I believe in providing affordable legal information so that one can decide if they need to pursue the issue with a personal attorney. If you have a Membership with the site I hope to hear from you soon should you need further legal information! And if you have other topics you need information about- whether VET, MEDICAL, AUTO, TECH JUST ANSWER will have a professional to assist with that question! Here at Just Answer we are awaiting to help you with any questions you may have!

Thank you kindly, and Take Care! ****Thank you for allowing us to assist you today!******

Customer
I need to cancel this service. It was not what I expected or needed
img

legalgems, Expert

Thank you; I am sorry to hear this;

if you contact customer service

ww2.justanswer.com/help they can help

Customer
thank you
img

legalgems, Expert

Thank you.

Customer
Hello, please advise why o was billed when I asked to cancel this service
img

legalgems, Expert

I do not have access to handle billing/subscription questions through chat, but Customer Care can help you out. To contact Customer Care, please call 1-***-***-**** or go to https://www.justanswer.com/help/contact-us. They will be able to assist you with any customer care issues! Thank you.

Ask a lawyer and get your legal questions answered.
See all Legal Questions
img
How it works
logoAsk for help, 24/7
Ask for help, 24/7
Members enjoy round-the-clock access to 12,000+ verified Experts, including doctors, lawyers, tech support, mechanics, vets, home repair pros, more.
logoExpert will respond in minutes
Expert will respond in minutes
After you reach out, we match you with an Expert who specializes in your situation. Talk, text, chat, whichever you prefer.
logoSave time & money
Save time & money
No scheduling hassles, missing time from work, or expensive consults.
A JustAnswer membership can save you significant time and money each month.
img
logo 593 Verified lawyers, 10+ years of experience
DISCLAIMER: Answers from Experts on Askalawyeroncall.com are not substitutes for the advice of an attorney. Askalawyeroncall.com is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response as proposing specific action or addressing your specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances should be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on any information received from an Expert, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains. The responses above are from independent, freelance Experts, who are not employed by Askalawyeroncall.com . The site and services are provided “as is”. To view the verified credentials of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service.
Explore law categories
Powered by JustAnswer