Real Time Resolutions

I have not owned a property for almost 10 years and I’m getting billed for a mortgage loan. How is this possible? I don’t understand how this company is allowed to operate.

Real Time Resolutions inherited this:
On 07÷19÷07 American Home Mortgage signed a certified letter containing all the documents they asked for from us to begin the process of moving forward with refinancing and/​or financial hardship short sale mitigations packages. The person who signed for it is named Jeffery R. Green
In summary we bought a condo in Carolina Beach as an investment on 4÷13÷07. It was funded as an investment loan. Shortly after the real estate market collapsed. We quickly tried to put the condo up for sale. We had it under contract with a 10 – 31 buyer on 1÷11÷08. This was for $ 325,000.00 we sent in a short sale request from both the first position and the second position lenders. The first responded quickly with a n agreement to take a loss. The second never responded after daily calls and faxes sending in the docs they asked for. Our realtor at the time was very frustrated that the deal was time sensitive. The buyers due to time is of the essence, asked to cancel the contract due to lack of cooperation from the 2^nd and was able to buy another home and not suffer the consequences of the tax liability with the 10 – 31.
On 1÷15÷08 we received another offer for purchase again as a short sale #2. Again the 1^st accepted the short right away, the 2^nd never responded. We faxed in the docs the 2^nd wanted over and over again. Sometimes they said they got it, sometimes they said they didn’t. Our Realtor and ourselves checked the status of the file in the 2^nd’s possession weekly and daily. Eventually the new buyers on this contract expired and walked.
The 3^rd buyers offer was accepted on 4÷09÷08. Again the first responded quickly and the 2^nd never did. Going through the same thing, faxing a 2^nd calling daily to escalate the file. Again the contract expired and the buyers walked.
The 4^th Buyer offer for purchase was on 5÷22÷08. Same thing except the 1^st was running out of patience with the 2^nd’s negligence to cooperate with us. they said if you can’t sell it or quit claim the deed we need to take the proper legal action to move forward with a foreclosure. We included the information from the 1^st to the 2^nd as leverage to «speed» things up. Finally with no success fighting the 2^nd to please say something about the offer, the last day came and the 1^st foreclosed. That was on 08÷25÷08 To this day the 2^nd denies ever hearing form us. Shortly after that the 2^nd sold the debt/​note to a collection agency (Real Time Resolutions) who sought a judgment for non payment for the full amount of the loan plus interest and legal fees.
Under no circumstance did we walk away. We tried to make the lenders whole. We just ran into a lender who negligently failed all parties involved. whether intentional or unintentionally made us suffer.
For over one year of constant communication American Home Mortgage we believe they violated the NCGS Chapter 45. We have in the past hired a law firm that dealt with Real Estate transactions, who write a Motion to set aside the judgment. But their advise is to let it sit. The law firm believes that the bank has endless funding for legal expenses and we do not and because of that we would exhaust all the money had trying to defend ourselves and it still would not close the case against us. You are the only and last attempt to help. We can not find an attorney in N.C. who specializes in N. C banking or federal banking law. We have spent thousands sitting in front of attorneys who won’t take the case or are not qualified to.
Please help

BofA sold our second to Real Time, and unfortunately they will NOT work with us! Every time we try to resolve with a reasonable amount they ask for more money. They bought our loan for pennies on the dollar but they will not return the favor to the home owner. We’re trying to keep the home but they are holding us hostage with their outrageous fees and late payments that they have dumped to the end of the loan. Apparently, they would rather us foreclose on the property then keep it. With all the negative response regarding short sales, that doesn’t sound like an option either. They do not act in good faith, nor do they care about the home owner! It’s a shame!!! This company should be stopped, and I feel sorry for anyone that has to work with them. Who’s monitoring these blood sucking criminals? Thanks Obama for the bank bail out, they’re doing an outstanding job, not!

I received a letter from Real Time Resolutions but do not know who my original creditor is. It would be helpful to know who I owe before I start paying a company I have no knowledge of owing!

Real Time Resolutions has been a very challenging company to work with. They are the servicer of the second mortgage on a property I own and have held up a short sale on multiple occasions. We received approval from the 1^st lien holder based on the terms RTR had asked for, then when this approval was presented to RTR they said, «Oh, well it was approved under a different program than we thought, we need more money.» So, back to the drawing board — we needed to re-​submit for approval from the 1^st lien holder, which we just got, but we still don’t have formal approval from RTR. It has now been siting with their «investor» for weeks.
From my perspective, Real Time Resolutions buys up debt that they don’t expect to ever recover, then when they have a «bite» on a possible settlement, short sale, or some way of recovering some money, they try to squeeze every possible penny out of the deal, making unreasonable demands. They do not seem to care whatsoever if these demands cause the deal to fall apart entirely.
Over the course of the 7 years I have been trying to complete this short sale, Real Time Resolutions has been quite challenging, and I feel sorry for anyone that has their mortgage sold to them.

Real Time Resolutions is a company that has never acted in good faith since they assumed servicing of my second mortgage in 2012. At the time my primary mortgage had been modified, and my then husband and I were trying to obtain a modification on the second. The loan was in default. Months later I tried again to have the loan modified when my finances took a turn for the worse. They allowed me to make 2 out of 3 trial modification payments before telling me that they were only able to approve a modification for an unaffordable amount.
Since that point in time I have received numerous automated phone calls, and been harassed by their employees. This has included calling my cell phone and work number despite being asked not to do so, and calling relatives homes stating that they are trying to locate me-​they have my home phone number.
Fast forward to 2014. I was unable to maintain payments on my primary mortgage so decided to pursue a short sale. I am on my 3^rd attempt. With the 2^nd and 3^rd attempts the RTR negotiator has feigned cooperation until it’s time to make final acceptance of terms, then they request $ 8,000 more than the settlement amount per HAFA. This time they had the audacity to state that they don’t have to comply with the regulations. Why are they deceiving people? Soon I will have no choice but to hire an attorney to deal with them. They need to be stopped.

We also received a letter today stating we owed money on a loan of approximately $ 6000. We don’t have any loans. Obvious Fraud.

I got a letter today saying we owed some money but I’m not sure for what we don’t have any debt can someone let me know why we would owe any money to these people

When I tried to negotiated short sales with this company always they asked more money that they were allowed by law. I never could close one with them, they made it impossible!!!

I worked with Chaz Munoz and he was a pleasure to work with. I loved working with him because he knows how important it is to help the homeowners, he provided me with an extension before I requested it. With all the work that goes into a short sale it is really nice to have someone you can count on. Chaz went above and beyond my expectations, thank you for all of your hard!

I am a Realtor and short sale consultant hired by outside Realtors to coach and assist with their own short sale files. I had the opportunity to work with Chaz on a Short sale file of mine that was previously approved many times and fell out of escrow for numerous reasons and we continued to experience problems. Most negotiators would decline the file and push it off of their desk to clear their pipe but Chaz stuck with the file and issued multiple extensions. He was very available via email which makes the process much easier as it is time saving and documented. Chaz issed multiple extensions and worked with us at every point, we were fortunate to get him assigned as this file was difficult enough with just the 1^st lien and buyer complications.

The 2^nd loan was transferred to Realtime towards the end of a loooonnnnngggg short sale I was mananging for a client who was emotioally worn out. I already had the appraisal from the first and I was worried that it would expire. Fortunately, they were very efficient and organized and I received the approval within a few weeks. I would be glad to work with them.

Real Time Resolutions is the holder of a 2^nd lien on a home that I have listed for sale. They are demanding more from the seller than the law allows in a short sale in California. They have be offered $ 6,000 the maximum allowed by HAFA which is the US Treasury — Home Affordable Foreclosure Alternative program. Shame on them. They do not follow the rule and force homeowners into foreclosure.

This company has been Harassing me for a week now. They don’t answer their phone and THEY HAVE THE WRONG NUMBER I am not the person that they are trying to reach. After not being able to get thru during business hours I left a very clear message on sunday when they were closed and still they robo called me the next day. They are incredibly annoying!