Loan modification,collection,foreclosure

Posted on Posted in Mortgage

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I was terminated from my XXXX job & due to the loss/decrease of income, I applied for a modification. Prior to, I had NEVER been late or missed a payment on my mortgage. Nationstar mortgage declined the modification 3 times & sent me a letter that they were foreclosing on my home. The letter stated the sale date was XXXX/XXXX/XXXX. I went to XXXX for assistance, and was told they did not understand why the modification was denied. After XXXX re-applied for the modification for me and it was denied a 4th time, I had no other choice but to file Chapter XXXX on XXXX XXXX, XXXX ( due to XXXX holidays ). However, on XXXX XXXX, XXXX I received a call from Nationstar. The customer service rep stated XXXX XXXX XXXX ( the person that was handling my modification ) no longer worked in that department, but my modification had finally been approved. I explained that I had Just left the attorney ‘s office to file bankruptcy, to stop the foreclosure and I would need to contact my attorney to see what to do. XXXX XXXX ( my attorney ) advised me to get something in writing, or by email, to verify the modification had been approved, before he cancelled the bankruptcy proceedings. Nationstar refused to give me anything. In XXXX XXXX, they sent me paperwork to complete a 3 month trial period, before the modification would be finalized & approved. I paid all 3 months, completed the ” finalized ” modification paperwork & have paid ON TIME every month since XXXX XXXX. My attorney has informed me that once I receive finalized paperwork for the modification, I can convert to Chapter XXXX, or have my bankruptcy dismissed ( since the foreclosure was the reason I filed ). To date, I STILL HAVE NOT received a finalized modification! Every month I call to pay my mortgage and I inquire on the paperwork. Each time I am told it has to go for ” booking ” and once this is done, they will send it to me. I do not understand why it has taken over a year and 6 months, and I STILL have not received these papers?!

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