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Foreclosure Assistance for Veterans / Military Members

show starting post by Elaine of TSA
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I have been reading some of the post you guys have put up. I have been through 4 years of pure torment trying to get chase to modify our loan. They had us on a "making homes affordable modification" at long last ,and after the 3 month trial period we got 2 letters. One stated that we did not make our payments and therefore we were kicked out of the program, the other said, congratulations you have successfully completed your trial period. I had already had so much frustration because we kept sending them paper work that they asked for and they kept saying that they did not receive it. So we sent our payments certified so they would have to sign for it. I sent them all the documentation and they just replied that just because I had the paperwork that it did not prove that they got the payment on time! Can you believe that?since then we have filled out so much paperwork over and over again and we have been almost foreclosed on 4 or 5 more times. The whole thing has taken 4 yrs. We were just offered a modification last Friday, of course they are going to tack on all the back payments and interest even if it was their fault that nothing was done sooner. The only advise I can give anyone is to not give up, call congressmen get in touch with a housing counselor anything to buy some time they will stall especially if you get your congressman in on it. Now don't get me wrong ,they will not stop it, it will just buy you some time. Then I signed up with NACA which is free. The only thing I can say about them is at least when you send in paperwork you send it to them, they will in turn send it to the mortgage company. That way they cannot deny that they have it. A big reason we got a modification, is because of the law handed down by the president where they made these mortgage companies pay people back for foreclosing on them. they also have new oversight for these companies so that if they don't give people modifications they will be penalized greatly especially if you are a vet or a service member. secondly, you can't just do nothing. I know how nerve racking it is. I started having strokes and I am disabled now, and I promise you Chase is largely at fault, but my husband is disabled from a gunshot wound to the head and it is hard for him to change his environment, else wise I would have happily moved out. I am sure that is what they wanted. Most of all pray, God is the only reason why we are still here. If you don't know him, now would be a good time. I hope this helps someone. Mike and Belinda
Talk to margi1
Disabled vet here that is going to loose his home. I as told pack your stuff and move. Thanks for helping after I devoted 17 years of my life serving my country.
Talk to Brethenia
I apologize if this same info has been shared. I did not read all comments.

To obtain help from a VA financial counselor, veterans can call VA
toll-free at 1-877-827-3702. Information about VA's home loan guaranty
program can be obtained at> .
Talk to Emo
 in response to NavyVet...   X-Corpsman from the `nam era 90% compensated. They cannot help out those that put their necks on the line? I guess I'll join the wall-street protest while they are kicking me out of my home and on the street.

Dr. John
Talk to TopQuark
The V.A. will only help you once. They will than tell you that you are on your own. It's a really bad feeling for US. We trust in the V.A. , Jag and the Army. But, they won't help you anymore.
Talk to army09wife
Elaine of TSA
 in response to coconut22...   Thanks for the correction / update.
Talk to Elaine of TSA
My military base legal dept told us that SCRA is supposed to allow 9 months that a service member had following a deployment to not be foreclosed upon, that is 9 months following active duty deployment. That is incorrect that it only gives protection while you are on active duty, in plainly says, "or within 9 months after leaving active duty"
The new bill through Obama is now being called "Helping Heroes Keep Their Homes Act.
However it seems that most banks are not following it, that is why Chase just recently got sued over it.
It is section 533 of SCRA.
Talk to coconut22
Elaine of TSA

 in response to Pumpkin11...   

The Servicemembers Civil Relief Act (SCRA) was established to protect military personel serving on active duty from certain debt, ie: providing lower fixed interest on credit card debt, the option of being released from lease agreements and not being foreclosed upon while they were active duty and not available to defend their interests here at home. It does not offer any protection once someone is discharged.


The following 2 links are Military support legal assistance web links.

Click here to see matters they cover


Has your spouse used his GI Bill for education benefit which would also provide him BAH (housing allowance)?



And check:

This link for help to Reservists


The following link may be able to provide help w/renegotiating a more affordable rate w/your mtge: 


Good luck

Talk to Elaine of TSA
My husband just returned from Afghanistan. he was a reservist pulled for active duty and his job laid him off while he was deployed. Now he came back from overseas and unemployment is not enough for payment and our lender Calvet says their is not any protection for us to get on back on our feet and they want to foreclose.
I thought the SCRA would help us not to lose our home right away but it sounds like it doesn't really help people. Not sure what if anything I can do now. Anybody know about this?
Talk to Pumpkin11
Talk to shell0406
Elaine of TSA
 in response to travzmomma...   

The VA claims that they are no longer representing clients as advocates w/their mortgage companies but have instead provided the mortgage companies a financial incentive to work it out with the home owner.  I would suggest you ask the VA what to refer to their incentive program as to determine if the Wells Fargo contact person is aware of it. 

Also try



Talk to Elaine of TSA

have tried almost every thing too and can't get help! Not from Wells Fargo, not the VA no organizations either don't "qualify" or they are out of money. My husband is a Veteran, and we have a 2yr old son, Wells Fargo has already set the sale date to July 16th unless we come up with 5,000 even then I am sure they will hike up that amount. money guzzeling pukes. Claim they want to help but only care about the money they can make! This is sickening!

Talk to travzmomma
Talk to SethCottam
Army Viet Vet

I apologize for the errors, misspellings . and typos in my post. I don't handle stress and frustration well.

Talk to Army Viet Vet
Army Viet Vet

I have run into the same stone wall. I am a disabled Viet vet declared unemployable by the VA. We have made some bad financial decisions and have also been taken advantage of. I trying to get a loan modification fron Wells Farge, I have been tolf they can do nothing because I am current on my payments. When I tolfd them that the well had run dry and we cannot continue to make these mortgage payments at 9.5 % interet, they said there was nothing they could do unless we were in default. The VA and Hud offered no assistance in getting a loan modification.

I accept my responsibility for my bad decision, but these people need to stop climing they are offering assistance. They claim to not want foreclosed properties bu refuse to do anythin to stop the customer slide into the abyss.

This is nothing but short sighted greed finaced by bailout money these unethical basrards took from the Federal government. These execs are short-sighted leeches bleeding the country dry. 

Talk to Army Viet Vet

I called this number and followed the prompts.. then the woman told me that VA does not have the authority to help in any way, even if you have a VA guaranteed home loan. She said they stopped doing that a year ago, February, which is funny to me because this announcement (which is also posted on the va home loans site) is dated in June, 2008.

Talk to NavyVet