Real Time Resolutions

★★☆☆☆
32.827 -96.8693
Map and Directions to Real Time Resolutions

214-920-2522

1349 Empire Central Dr

Dallas, TX

75247

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About Real Time Resolutions

Hours
Mon. - Fri. 9am - 5pm;Sat. - Sun. CLOSED

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Reviews 1 - 6 of 6.
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i was previously engaged in a home mod with AHMSI for both of my previous mortgages. while under mod process, they supposedly "SOLD" my second mortgage to realtime. Is this legal in the state of texas?? now, realtime is sending me letters saying they are handling my second mortgage that was supposed to in the original mod.. I had filed a hardship with ahmsi, filled out necessary paperwork, and modified my (i thought) both mortgages with them.. can they sell my second one without my consent or without notifying me??

1
★☆☆☆☆

i was previously engaged in a home mod with AHMSI for both of my previous mortgages. while under mod process, they supposedly "SOLD" my second mortgage to realtime. Is this legal in the state of texas?? now, realtime is sending me letters saying they are handling my second mortgage that was supposed to in the original mod.. I had filed a hardship with ahmsi, filled out necessary paperwork, and modified my (i thought) both mortgages with them.. can they sell my second one without my consent or without notifying me??

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If Real Time is considered a collection company, can you put them into a chapt7, they buy cents on the dollar all kinds of paper.

5
★★★★★

If Real Time is considered a collection company, can you put them into a chapt7, they buy cents on the dollar all kinds of paper.

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.

The person who wrote that he/she is an employee and that Real Time Resolutions is a mortgage servicer and not a collection agency is not being truthful. You can check with your state and find that they will be registered as a collection agency. While not taking anything away from the personal financial problems that many posting here have had, I have noticed some misperceptions. Just because a house has been foreclosed, it doesn't wipe out the personal liability of the debt unless your state (such as CA) has a "no deficiency" statute, you've received a discharge in a bankruptcy, or the statute of limitations has expired (differs by state). So, collecting on a debt for which you no longer still hold possession of the collateral is perfectly legal as long as they follow the letter of the law under FDCPA and your local state's collection laws. So, while you may not like their tactics, their attitudes, employees, or decisions...they are a ligitimate buisness who are there to make money by collecting debts.

Again, I'm not here to take anything away from those struggling who have requested help and didn't receive it or who have ligitimate complaints about this company, but I did want to clarify a couple of things I've read here.

And for those who seek a "short-sale" where they accept less than the full amount owed on the debt, beware! Unless your personal liability for this debt has been discharged in a bankruptcy, expect to receive a 1099 at the end of the year showing the difference between what you settled for and what you still owed, and you'll have to pay taxes on that. So, let's assume you still had a balance on a second mortgage of $50,000 and they agree to settle for $10,000; expect a 1099 for $40,000 that you'll be expected by the IRS to pay income tax on. If you think that's crazy, I agree. But, that's an IRS rule and not something any company is trying to stick you with. The IRS considers that income, because you received the money and didn't have to pay it back.

If you do have legitimate complaints, contact the Federal Trade Commission who is in charge of enforcing the FDCPA (Federal Debt Collections Practics Act) and/or your State Attorney General's office.

1
★☆☆☆☆

The person who wrote that he/she is an employee and that Real Time Resolutions is a mortgage servicer and not a collection agency is not being truthful. You can check with your state and find that they will be registered as a collection agency. While not taking anything away from the personal financial problems that many posting here have had, I have noticed some misperceptions. Just because a house has been foreclosed, it doesn't wipe out the personal liability of the debt unless your state (such as CA) has a "no deficiency" statute, you've received a discharge in a bankruptcy, or the statute of limitations has expired (differs by state). So, collecting on a debt for which you no longer still hold possession of the collateral is perfectly legal as long as they follow the letter of the law under FDCPA and your local state's collection laws. So, while you may not like their tactics, their attitudes, employees, or decisions...they are a ligitimate buisness who are there to make money by collecting debts.

Again, I'm not here to take anything away from those struggling who have requested help and didn't receive it or who have ligitimate complaints about this company, but I did want to clarify a couple of things I've read here.

And for those who seek a "short-sale" where they accept less than the full amount owed on the debt, beware! Unless your personal liability for this debt has been discharged in a bankruptcy, expect to receive a 1099 at the end of the year showing the difference between what you settled for and what you still owed, and you'll have to pay taxes on that. So, let's assume you still had a balance on a second mortgage of $50,000 and they agree to settle for $10,000; expect a 1099 for $40,000 that you'll be expected by the IRS to pay income tax on. If you think that's crazy, I agree. But, that's an IRS rule and not something any company is trying to stick you with. The IRS considers that income, because you received the money and didn't have to pay it back.

If you do have legitimate complaints, contact the Federal Trade Commission who is in charge of enforcing the FDCPA (Federal Debt Collections Practics Act) and/or your State Attorney General's office.

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I am not a fly on the wall at RTR so I can only comment about MY personal dealings with them. Around Sept of 2010 I was a few payments behind on my loan, called the office, talked to a lady who was attached to my case (so to speak) and it was within 2 DAYS that they had lowered my ARM to a fixed rate and put my payments on the back of the loan.

So talk all the smack you want about them, just remember you are NOT speaking for the whole company OR everyone who deals with them....hell, I've had Burger King get my order 100% right and the next day give me the opposite of what I ordered.

Maybe try talking to the rep like they are a human being first and if you feel like you are not getting anywhere, ask to speak to a supervisor. I'm sure the 'I'm gonna report your company to the irs, cia, fbi, dea, atf and aclu ' will get you NOWHERE with them. Just my opinion :)

5
★★★★★

I am not a fly on the wall at RTR so I can only comment about MY personal dealings with them. Around Sept of 2010 I was a few payments behind on my loan, called the office, talked to a lady who was attached to my case (so to speak) and it was within 2 DAYS that they had lowered my ARM to a fixed rate and put my payments on the back of the loan.

So talk all the smack you want about them, just remember you are NOT speaking for the whole company OR everyone who deals with them....hell, I've had Burger King get my order 100% right and the next day give me the opposite of what I ordered.

Maybe try talking to the rep like they are a human being first and if you feel like you are not getting anywhere, ask to speak to a supervisor. I'm sure the 'I'm gonna report your company to the irs, cia, fbi, dea, atf and aclu ' will get you NOWHERE with them. Just my opinion :)

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.

People, check the statue of limitatations for your state like Texas the statue of limitations are 4 yrs for a contract and it starts from the day you sign it. That is why collection agencies use their tactic. They play the odds that people don't know about. I didn't till I read about it. It's not that I didn't want to pay but you have to play with the card that are dealt to you.

1
★☆☆☆☆

People, check the statue of limitatations for your state like Texas the statue of limitations are 4 yrs for a contract and it starts from the day you sign it. That is why collection agencies use their tactic. They play the odds that people don't know about. I didn't till I read about it. It's not that I didn't want to pay but you have to play with the card that are dealt to you.

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We purchased an investment property in FL and it never provided the rent or value advertised. Countrywide held the first and the second, which was a HELOC. The house foreclosed and Countrywide (now B of A) sold the HELOC to Real Time, I'm sure for pennies on the dollar. They have harassed us and family members on and off for the past two years. I tried to offer them $4000 for the $22,000 HELOC, but they keep saying they need my "financials"--copies of pay check stubs, checking and saving statements, tax returns, etc. They must be crazy to think I will send that into collection agency vortex! Countrywide had all that info anyway, and a lot is in our credit report. Real Time said they only settle with people who provide their financials to the company; otherwise we have to pay the full amount. Has anyone had success settling with this crude company and did you have to provide all your personal info?

1
★☆☆☆☆

We purchased an investment property in FL and it never provided the rent or value advertised. Countrywide held the first and the second, which was a HELOC. The house foreclosed and Countrywide (now B of A) sold the HELOC to Real Time, I'm sure for pennies on the dollar. They have harassed us and family members on and off for the past two years. I tried to offer them $4000 for the $22,000 HELOC, but they keep saying they need my "financials"--copies of pay check stubs, checking and saving statements, tax returns, etc. They must be crazy to think I will send that into collection agency vortex! Countrywide had all that info anyway, and a lot is in our credit report. Real Time said they only settle with people who provide their financials to the company; otherwise we have to pay the full amount. Has anyone had success settling with this crude company and did you have to provide all your personal info?

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