Q: Without my knowledge my mortgage amount went up. I am behind 2 months. They returned check and claim I'm in foreclosure
Due to a hardship years ago I fell behind my mortgage by 2 months. It remained that way for years. My town taxes went up by $47 Without my knowledge. Which caused my payment to go up. I didn't know it and sent in the normal payment which 2 weeks later was returned to me as a non full payment and a letter stating I'm now 3 months behind and they want to foreclose. Instead of asking me for the extra $47. Not to mention a week prior they also returned $152 to me from escrow from previous overpayments to them.
I've offered many times over the years to bring my mortgage to date if they would remove the ridiculous late payment fees from years ago.
Every time they tell me No they won't and I'd have to redo an entire 30 year mortgage with them to do so.
Seems like I'm being railroaded.
Any help would be much appreciated. Thank you, Joseph Connors, Marine Corps combat veteran Iraq-Afghanistan
A: Thank you for your service to our nation. In order to determine exactly what your situation is, an in person consultation and document review is essential. Do not waste your money with any non-attorney or forensic loan audit, they are both just different forms of con-artists. You will need to retain a licensed mortgage foreclosure defense attorney to represent you in this matter. Anyone who promises you anything other than effective professional representation is lying and should be avoided.
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