My husband filed for chap.13 in Jan.2017. We owed a total of 25,000 on our house.
My husband got sick and now has dementia. Every month we have paid our payment to the trustee. Our servicer was Ditech. The sold this loan in June of 2017 to Shellpoint.
I was told that the payment we were making to the trustee would pay off the mortgage at the end of 5 years. Well now Shellpoint sent my attorney sayibg we had to pay an additional $3,000 for expenses incurred after our bankruptcy. They want to foreclose and stated we have no equity in our house. Our house has been assessed for $175,000 and we have been here for 32 years.
How is any of this possible? Why is this even an issue. There was no mention of making a separate payment to them in our legal papers and why did it take them almost a year to say anything? You bet I want to be a part of this lawsuit!
I thought Ditech was bad, but this is so horrible and such a nightmare.
I thought we were doing okay as far as our home. I'm hearbroken.
Product or Service Mentioned: Shellpoint Mortgage Servicing Mortgage.
Reason of review: Problems with payment.