katya asked:


I have a good credit rating, and I need to refinance in early 2010 (because my mortgage payment is too high..I ‘d set it for 15 years instead of 30).
I am preparing: In order to clear my credit profile, I am paying off a large amount business debt on credit cards with a personal family loan .
2 questions:. How likely is a bank ( in 6 months time) to ask me how I did that?
2nd: I’ll be paying $ 1250 a month… I ‘m wondering will they see this in my checking account and suspect it is a loan? should I be making monthly payments to my family member with money orders so it doesn’t show
I am 1000% honest and just want to package myself right because if I don’t get this mortgage payment down, I could be headed for trouble.
I was told I do not qualify for mortgage modification because” I’m not in trouble” Seems only if you are in default, they’ll help !.

Lucille

whitesoxfaninla asked:


I am getting ready to file for bankruptcy due to an ARM mortgage loan. I bank with WaMu and my lawyer advised me to take my money out and put it into a different account. He said WaMu usually closes account of people that file for bankruptcy. Where can I open a checking account where it won’t be closed after bankruptcy.
Thanks in advance.
Any good banks in Los Angeles, California specifically near South Gate, CA.

Philip