Grrrrrrrrrr my second mortgage company...

[wantout]

I recieved my statement in the mail today, they added $400 to the princapal on the account, for collection expenses. Thing is my account was and is current. There have been no collection expenses and no one has ever called trying to collect on a account that is current.

So I call them, after a nice 30 minute wait on hold I am told to call another department, so I do, after 10 minutes on hold I get to talk to a drone who informs me that yes, you are current and allways have been.
But since you filed bankruptcy we are adding $400 to your account for collection fees, that we never had to contact you about, and will also be adding attorney fees and filing fees, yet to be determined.

I explained that I am keeping the house, asked for a reaffirmation, your company agreed and said everything was fine, now you hit me for $400 plus fees yet to be determined, all added to my princapal,

WTF?

I could understand if I was behind in the payments, but to screw someone who is current, wants to stay current and stay in the house, is just wrong, plain and simple.

Hey First Horizon, I hope you choke on it.

I have emailed my attorney about this, hopefuly I will have some recourse, they just set me back 5 months in princapal payments and more is to come..

I hate banks, really really hate banks anymore...

[mtbc]

It doesn't answer any of your questions, but if it makes you feel any better, in my bankruptcy I stiffed First Horizon for over $50k! (HELOC on foreclosed house.)

[wantout]

It doesn't answer any of your questions, but if it makes you feel any better, in my bankruptcy I stiffed First Horizon for over $50k! (HELOC on foreclosed house.)

Good for you.

I am thinking now of giving this place back and walking, have to talk to my attorney....

[mtbc]

I guess, think about what makes sense either way. You could, of course, tell them that they'll have to waive all those fees in writing before you'll sign a reaffirmation.

[wantout]

I guess, think about what makes sense either way. You could, of course, tell them that they'll have to waive all those fees in writing before you'll sign a reaffirmation.

Well thing is I have allready had my 341 hearing, have the TT report of no distribution, at this time I dont have any intention of signing a reaffirmation, they were notified in Dec when I filed, they had no paper work to my attorney or the court by Feb, as far as I am concerned, we are doing a ride through.