Kailua-Kona, HI asked in Consumer Law, Foreclosure, Real Estate Law and Collections for Hawaii

Q: If making monthly mortgage payments, why am I in foreclose, and I have all my bank statements showing I have paid.

I asked where my payments went, if you are claiming I have not paid. No answer. SPS had blocked me from making my December, January and February payments because I was told I am in legal process of foreclosure. I asked why as I have been making payments. I was told I had not made any payments since 2022. Last August they did the same thing, but said I did not make any payments since 2020. I told them I have all my bank statements that you received my payments since 2019. The original mortgage in 2008 was $404,000.00. SPS claims I owe $653,000. I asked why? I was told that because the value of the home went up.

I said that has nothing to do with the mortgage loan.

1 Lawyer Answer
Blake Goodman
Blake Goodman
  • Foreclosure Defense Lawyer
  • Honolulu, HI
  • Licensed in Hawaii

A: You are being screwed with. I help people file bankruptcy to save their home from foreclosure, not this kind of thing.

You need to find an attorney that represents borrowers under the Truth in Lending Act (or TILA). See what you can find on Google for an attorney versed in this law that can help you.

Good luck, Aloha, Blake Goodman

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