Real Time Resolutions

I went through a hardship and have had no problems dealing with this company. I delt with one person and she helped me modify my loan and I was able to stay in my home when I was going through a really hard time!

When you get letters in the mail don't be too quick to answer them. Check out the information closely first! I received a letter from this company quoting a loan # that I don't have. The letter said in order to protect my information (if I didn't want it given out to everyone) that I needed to fill out and return their opt-out form. I then noticed they wanted my SS number. Why would they want my SS # if I had a supposed loan with them? I hope everyone understands when dealing with any disreputable establishment that this doesn't make sense. If I have a loan with them wouldn't they already have my SS #? A good company would not be requesting it again!

I'm a Peace Officer and I have just received a letter from these cons saying that I have asked for a loan. I've never asked for a loan, and these clowns are full of crap! It's criminals like this that have destroyed our economy! If you believe a damn word these idiots say, you're a fool! Their scam artists, and should be in jail for their crimes and fraudulant scams! I'm going to report the fraud letter I've recieved to every law enforcement agency, and you should too! Don't be a fool! Check these fakes out before you do any business with them, and I guarentee you won't. We all know the good reviews on this site are from Real Con Resolutions! Obvious!

THis company is full of scam artists, especially people like Justin Nezda. They routinely make one deal and then turn their back on it. They also won't tell what they could really do to help you unless you flat out won't cave. They want to siphon as much of your blood as they can. They are soulless pieces of trash and I hope they all burn in hell.

This company is a complete SCAM. Bank of America denies ever hiring them to collect my debt. They are like a parasite feeding off of America's down economy and the hard working people of this country. Do NOT deal with these people. They are all over RipOffReport and a being blasted across the internet. They also have ties with the mob and two other companies that have gone bankrupt (see older posts). Do not deal with these CRIMINALS! And they will be going out of business real soon :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :) :

I have never had a problem with this company. They have held our mortgage for about two years now. We had fell behind on our payments because my husband was laid off. I called to make payment arrangements with them because I was unable to make the full payment at the time. As long as you talk to them, they work with you. And as far as being a debt collector... the agents are far nicer than any other company I have had dealings with.

I started to get letters from Real Time Resolutions when my home went into foreclosure last year. For the people who want to tell me too pay my BILLS and stop complaining - it is my FAULT, this is for you. When I first obtained a loan thru a Mortgage Broker ( company has since lost their license to practice due to illegal issues ) I was told that I would have ONE mortgage with an interest rate of 7%. The day of closing, the Mortgage Broker does not show up and I was told that my NEW mortgage terms were a 80/20 split with ONE mortgage at 9.7% adjustable rate within 2yrs and SECOND mortgage at 13% adjustable rate within 2yrs. Also a Balloon payment after 30 yrs. Meaning I pay my house off after 30yrs and the Balloon payment due at the end is $175,000 - same amount I originally financed. Then there was also a PRE PAYMENT penalty which prevented me from refinancing. Believe me I tried to refinace but Option One the mortgage company for BOTH the first and second mortgage would not b... Read more

The agents are very rude. My story is that I bought 7 rental properties in Florida from a guy that turned out to be a con man operating by getting investors in California. He claimed they were all rented out and that he would continue to manage them. Turns out he flipped them to investors through various intermediaries so he could make money, serving as real estate agent, loan broker, and appraisal hirer for the banks. I am not sure why Bradshaw thinks these kinds of results are the individuals' full responsibility when it is clear the banks were just churning these things willy nilly. There were over 50 investors involved in this particular fraud. Is Real Time Resolutions interested in this sob story? Of course not. And neither is Bradshaw, who seems to see things as black or white.

Real Estate agent working with Real Time Resolutions has found them to be unrealistic in their expectations. We are nearing the bottom of the market in some places, short sales and repos on the market still high and happening everyday, but Real Time Resolutions are not willing to let them close when an viable offer is presented. Real Estate agents forfeit some of their commission, 1st Mortgage willing to work with owner to get this sold and off the books, but Real Time Resolutions is fighting over $3,000! In today's market conditions, when it forecloses the 2nd gets NOTHING! Their approach is questionable and should be scrutunized by officials as to their legal practices.

I'm currently receiving mail from them regarding my second mortgage as my house is in danger of foreclosure. Are these people real? How can anyone be so sure that they are a fraud?

This company is a joke. My attorney has contacted them several times and they have not responded, but they call and send letters. Thats funny. They will not get a dime from me & they will be out of Business shortly if every one tells them to go F**K themselves!

I had a Home Equity Loan through Countrywide Home loans. When I ran into financial hardship Countrywide refused to assist in any way. Eventually the house foreclosed and the HELOC was turned over (bought) by Real Time Resolutions. They sent me a letter saying they were now handling the loan and it's collection. I responded to their letter immediately (within 24 hours of receiving it) by email and fully explained my situation including how and why it occurred. Real Time Resolutions responded to the email which proves they received it. About 10 days later I received a letter from Real Time stating that I had failed to respond to their introductory letter and made various threats against me. I don't know about you but I don't deal with incompetence. I told Real Time to take a hike.... I suggest you do the same. If no one deals with Real Time they will go out of business. I can't think of a happier ending for this two-faced firm.

My second mortgage on my credit report states the bank reclaimed collateral to settle default mortgage. Suddenly papers arrive from Real Time. They say they cannot contact the bank I have to. Then there was a payment plan made up, being paid but not being reported on credit report, again the double crash on credit report. Looked up RTR (on an accredited site I am not allowed to mention) they have an F rating and are NOT a member. They cannot foreclose on anything unless they buy out the first loan which is still held by the bank and has been modified. The bank does not acknowledge the 2nd mortgage going to RTR so in my opinion RTR has stolen the account from puplic records which have already been dealt with. I now do not believe they are real at all. RipoffReport has some interesting complaints about RTR also.

My house was handed over for foreclosure almost 16 months ago. I received my letters stating that the house was going to Auction and see where someone has purchased it in Public Records for Tarrant County. I was surplused in my job and lost over $20,000 a year in pay and single mom with 3 kids and no Child Support, so I had no choice but to let the house go. I just received a letter yesterday from Real Time Resolutions, Inc saying they were trying to collect a debt??? This house has already been resold and someone else living there. My credit was already marked for it in Jan 2008 and now I start getting this??? Does not make sense.....

To the writer, when one borrows money regardless of the situation it should be paid. but when companies play games with the livelihood of hard working people its criminal and unethical. I was given a modification and before the first payment was due my second mortgage was sold to this company. whose main purpose is to require full payment or sale my home. How can one pay his debts if not given the chance? save the pay your bills speech, they won't fire you if you be honest about the practices of predatory lenders.

I let a home go back 12 years ago. A foreclosure was never done on the home. Someone changed the locks on the home and put up a sign saying that the home was under the management of another realty company. Someone also paid the taxes on the home until 2001 in which they stopped. Since the home was never foreclosed on, I got a notice that the home would go up for sale at a tax auction in this year. Real Time Resolutions has been calling for some time now asking for a payment! I told them that I walked away 12 years ago because I owed more on the property than it would ever be worth and that I did not want the property and they should have foreclosed a long time ago before they let it fall apart. There's no way I was going to pay for a house that wasn't worth anymore than the property it was sitting on. They let the house sit there so long that the roof was falling in. Now the collecion agency calls me NO LESS that 5 times per day (harrassment). They told me I did some illegal things a... Read more

I called back and talked to a professional courteous individual. We are attempted to settle. My advise - make a sound honest effort to resolve the issue and pay what you can before BK. You will feel much about your situation.

You borrowed money and promised to pay it back. End of story. When you don't pay your loans back the bank can take what you offered up as collateral. Collateral doesn't mean one for the other, it means your putting that up if you default. It doesn't always pay off your debt. So let's get serious for a second. You borrowed money, you didn't pay it back, so you are the one to blame. Don't get made at a servicing company whose job is to collect money from people who borrowed it. There aren't stealing, they are actually letting you get away with paying back less then you borrowed. It's unreal. By not paying these loans back you mine as well have robbed a bank. They aren't beating you up they are asking you to do what you can in order to do what's right. Stop blaming them for the fact that you were irresponsible. Problems do occur, but they are willing to help you through them so there is no excuse. When you live above your means and take out loans you can never repay bad things are going t... Read more

I am a realtor and have been successful in negotiating deals with Real Time on multiple occassions. I would like to commend them on how easy it is to work with them. I am able to talk to a live person every time I call in (this is a big problem with most servicers). The one thing you must do anytime you are working with a servicer is lay it all out there. If they ask for something, you need to provide it in a timely manner. You must realize that there are more than enough shortsales to be worked and you must work with them as best as possible. Also, when your are talking about a 2nd mortgage, you need to understand the situation. They could be owed 100k on a loan that was originated just a couple years ago and now they are being offered only 1k from the sale proceeds. Does not sound anywhere close to a good deal to me, but they are willing to entertain the offer. The next thing that I have come to understand is that the 100k that was borrowed to purchase the home is still owed... Read more

We have a client that had a mortgage with a lender and his second got sold to Real Time Resolutions. Real Time resultions sent him a letter stating that he has to make payment arrangments on the house or they are not going to approve the shortsale. That is bulllshiit...... this person can not afford anything anymore and your making him go through paying back the second. What a crock......soo the client owes about 70K and they (Real Time Resolutions) want a 19K dollar check for them to approve the shortsale or set up payment options. So they basically make the client feel uncomfortable, they have a choice of shortsaling the property and paying back the 19K or they will go into foreclosure and Real time Resolution will take them to collections. So both ways they are stuck with this company. I hope no other lenders send there 2nd mortgage to this company. Also the person that wrote from Real Time Resolutions please give it a break dont try to make your company sound all good and that you ... Read more

this company is bad news I had to forclose on the home I was in. I had a broker/buyer for My home and we where online with the main morgage for a short sale, so the house would not go into forclosure so we aporached the 2nd lender "real time solutions" with the short sale so the loan would not default into a forclosure. The respose that was given by this company was " we would rather take are chances at the forclosure sale then aprove the short sale". At this time the house did go into forclosure and real time resolutions did not get the house at the auction/forclosure sale and the harrassing phone calls began. It is now almost 1 1/2 years later and they are showing that I am delinquit on the loan 1 1/2 years on my credit report, but note when the forclosure took place 1 1/2 years ago they reported that the loan had defaulted and the charge off/forclosure was listed on the credit report. Because of this they are trashing my credit rating by double hitting the credit rport with month t... Read more

I am a real estate broker. I help people with short-sales so they won't have their properties go into Foreclosure. My current clients received a letter stating that their 2nd loan had been transferred to Real Time Resolutions as of the 25th of February 2008. Today is the 29th and Real Time Resolutions still does not have it imported into their system. I was told they are a small company so when they get these transferred loans they go immediately into their system. Well, no one knows where this loan is. We are trying to work out a short-sale and we have 2 offers on this property. There is no reason for it to go into Foreclosure but I am being told by Real Time Resolutions to call back in a couple of weeks to check the status. I asked for a fax number to fax my authorization over to them along with a copy of the letter that my clients received. I was given a bogus fax number. It was the voicemail of a Real Time Resolutions employee. This company has problems. The right hand doesn't k... Read more

I had my identity stolen in the mid 1990s, so I have had to become "credit collection savvy" quickly. I have worked really hard to remove the information from my credit reports that wasn't mine. Ironically, I found out about this account when we purchased our current house. It is shown on Experian with a status date of July 2006. The truth is, we stopped making payments in November of 1999, over 8 years ago. The statute of limitations has been expired for over a year, yet Experian and Real Time continues to report it and will do so until Nov 2012. How is this legal? It's not and we are in the process of finding an attorney to deal with this, since I haven't had any luck. Thing is, I know I'm right. They are illegally keeping this on my report. And in my opinion, Experian is allowing it to happen.

I don't think that is true at all. Y'all didn't get my account until after it was foreclosed on. I tried to explain my situation, me being in and out of the hospital, my husband's employer doing him dirty to my mortgage company, I even offered to pay quite a big chunk of what was late and they wouldn't even work with me. So I'm wondering why am I getting collection letters from y'all now to pay on something I'm not in possession of???? Y'all don't care about anything but money, period. You don't care about people or their families. If y'all would like to tell the people who are currently living in my was then house to move out so we can move back in, I'd be more than happy to pay it. It's not like I wanted to not make my payments on time and lose the house, but bad things happen to good people. I'm not going to pay for somebody else to live there.

we do receive current accounts and maintain them. however, we also receive several that are in default. we actually try not to foreclose, we specialize in workout options. the person who reviewed above obviously had some hardship which caused him to fall behind in his payments. this is not real time's fault. if he had been willing to speak with us, we would have done anything to help him keep his home, short of paying it for him. we can often waive a lot of the balance and lower interest rates. i do it all day, every day. don't listen to the guy above. it's not the company's fault if he has trouble paying his bills.

WARNING-BEWARE- If your mortgage company has transfered your existing home loan to Real Time Resolutions Dallas Tx. They expect you will default on your loan and are prepared to file foreclosure paperwork. They are a collection agency type of company NOT A LOAN SERVICER and they play dirty. If you receive a notice that 'Real Time Resolutions Dallas Tx. is now servicing your loan', YOU are already in jeopardy of losing your home! You MUST refinance with another company fast! Do no business with Real Rime Resolutions Inc.