I tried for about a year to get my mortgage modified after falling behind 2 months. I was 1st told to stop paying until I was at least 4 months behind, then ask for help. Stupid me, I did just that. They sent forms for me to fill out, which I did. They put me on a trial 3 month payment plan. Then 6 months later I was denied for failure to respond to their modification offer. An offer I never received. I had to apply all over again. This time they claimed over and over that forms were not received or they were not filled out correctly. All the while I was still paying the trial payment plan amount. Its now a year later. They want me to pay a higher monthly payment because now I don't qualify for a modification. They want a repayment plan. Foreclosure process has been going on for months. They kept telling me not to worry, it is suspended as long as I am working with them. I have been served by the sheriff and sale date has been posted and put in the local paper. Its now only 3 weeks from the sale date and they still tell me not to worry. I was told 2 months ago I would receive the new repayment plan in the mail. I called 4 times to say it never came and each time they said they would resend it. I'm convinced that they want to take my house. Now when I call them, they are not very nice and they keep transfering me to different departments until they get tired and just hang up on me. I don't know how they get away with this. I did everything they asked. Now they are ready to take my house from me. They do not care. That is the bottom line. I have to file Ch. 13 to save my house. I hope others in this situation are being as careful as I am.
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That sounds like baloney!....I can tell you that BofA for instance tells every customer trying to get a mod that same thing, and guess what? ...they will proceed to FC sale the whole while. I hope thats not the case for your situation, but I would be EXTREMELY suspicious of the lender assurances.Originally posted by em96 View Post -
Is there an office in town you can go to? Sometimes you have to speak to someone in person to get any help. Also did you keep copies of what you filed out? I hope you can save your house. Lenders are very sneaky!Chapter 7 filed on 4/23/2010
341 meeting on 5/28/2010
Discharged on 8/19/2010
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There is no office local to me. I got my mortgage with one lender, made one payment to them, then it was bought by the current lender. I am not using their name. I'm not sure if I'm allowed to or not. I do have copies of the last round of forms I sent out. My lawyer says he should be ready to file next week (Chapter 13).Comment
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