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act 91 and act 6 notice

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dave65

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Post Posted: Wed Jun 10, 2009 12:02 pm    Post subject: commercial forclosure
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I recently was served papers saying the bank filed for a judgement against me. Does Act 6 apply to a commercial mortgage? I received no notice other than the actual papers saying the lawsuit was filed.
Icon Mini Profile adonis
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Post Posted: Thu Jun 11, 2009 12:16 am    Post subject:
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Hi dave,

Act 6 Notice is sent when someone is 60 days behind on the payments and is also known as "Notice of Intention to Foreclose". To know more about Act 6 and Act 91, check out the following page:
http://www.mortgagefit.com/pennsylvania/foreclosure.html#25023

You need to contact your lender regarding Act 6 notice and check out what he has to say in this regard.

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Dot

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Post Posted: Sun Aug 02, 2009 6:30 pm    Post subject: Act 91 letter
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I declared bankruptcy and had asked my mortgage company to let us do a modification to get our mortgage and by the way this is our second mortgage not our 1st and is also thru citimortgage all thru the bankruptcy 4 months we tried to get help from our mortgage company and they kept saying it takes 30 days someone will contact you I faxed twice all the information they requested and still nothing just a total run around we have been discharged by and now they are coming down on us with this act 91 don't know what to do at this point
Icon Mini Profile adonis
adonis




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Post Posted: Sun Aug 02, 2009 8:14 pm    Post subject:
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As you have defaulted your mortgage payments, the lender has sent you an Act 91 Notice. The main purpose of this notice is to advise you to apply for a Homeowners Emergency Assistance Program (HEMAP). You should contact your lender and apply for a HEMAP.
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Theresa

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Post Posted: Tue Nov 10, 2009 8:08 am    Post subject: ACT 91
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I just recieved the act 91 notifice and I am only one payment behind. I thought as long as you were paying something and you went more then 3 months behind you were OK.
Icon Mini Profile smithsussane
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Post Posted: Tue Nov 10, 2009 11:52 pm    Post subject:
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Hi Theresa,

Act 91 Notice can be given to anyone who is behind in his mortgage payments. With this notice, the person is advised that he/she can apply for a Homeowners Emergency Assistance Program (HEMAP). As you are a month behind on your payments, you have received this notice.

Feel free to ask if you've further queries.

Sussane
cinderella

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Post Posted: Fri Nov 13, 2009 2:36 pm    Post subject: act 91
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i can't find my act 91 paper..how can i get another one so i can apply for a Homeowners Emergency Assistance Program (HEMAP)?
Icon Mini Profile smithsussane
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Post Posted: Sun Nov 15, 2009 11:49 pm    Post subject:
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Hi cinderella!

Welcome to forums!

I think you should contact your lender and take his opinion in this regard. He may help you in getting another Act 91 notice.

Sussane
LEELEE

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Post Posted: Fri Jan 15, 2010 1:30 pm    Post subject: HEMAP
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Do all lenders have to work with you if you are approved by HEMPA. Our lender sadi don't apply because we would not qualify and we should sell before they foreclose on us. Is ACT 91 a law where they have to work with us if we are aproved by HEMAP aid???
Icon Mini Profile Niicss
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Post Posted: Sat Jan 16, 2010 2:11 am    Post subject:
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Your query has been answered in the given page:
http://www.mortgagefit.com/foreclosure/act91-hemap.html#144594
sugar hall

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Post Posted: Sun May 23, 2010 4:31 pm    Post subject: forclosuer of home
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if your received soc sec and pension and you have no longer paid your
mortgage payment will they take you money from your soc sec and pension to paid you mortgage
Icon Mini Profile sara
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Post Posted: Mon May 24, 2010 2:12 am    Post subject:
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Hi Guest,

Social security income and retirement accounts cannot be garnished by the lender. If any lender does so, it will be against the federal law. However, you should remember that if you have a savings account, then the lender will be able to garnish it in order to recover the deficient balance resulting from the sale of the property.

Take care.

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bill wilson

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Post Posted: Thu Sep 02, 2010 10:07 am    Post subject: HEMAP
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Are you required to payback this loan from HEMAP ?
Icon Mini Profile jameshogg
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Post Posted: Fri Sep 03, 2010 1:26 am    Post subject:
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Hi bill,

You are required to pay back the HEMAP assistance when you are in a better financial situation.

Thanks
notice

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Post Posted: Sun Sep 19, 2010 9:06 pm    Post subject: ACT 91 NOTICE
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If I Do Receive The Loan From Hemap Can The Bank Still Refuse The
Payment, Also Will The Money Go To The Law Office Or To The Bank.
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