I have a rather complicated situation. Had a payment arrangement with seterus inc. Haven't missed a mortgage
In December of last year I was awarded $103k in a legal settlement but since I'm disabled on fixed income, I decided to pay that on my house. I was told that was the total I owed.
I could then continue making my regular mortgage n payments until loan is paid off as I was late told there's an additional 58k left on the loan.
So I did continue paying.
a couple months ago I began getting invoices with -1100. And -1600. Which didn't make sense. The servicer advised they would fix it. Never did. Then I stopped getting invoice statements and a month ago I got a letter saying please call us about the 58k remaining on the loan to discus options.
I did and the n manager said that a balloon payment was due. I reminded them what they said to continue making payments until loan is paid off and that I didn't have that money. He said I should refinance.
But after cling green path of making homes affordable, they said seterus is reporting to credit bureaus that I have not paid my mortgage in 9 months or so, when that's a lie. I have bank statements to prove it.
Anyway, I advised they destroyed my credit. So now they asked me to send in application for modification. I did. But now they sent me an Notice of Default" advising that I am $415.77 behind and if I don't pay that by sept. 16 2015, they will start foreclosure procedings.
Now can they send that to me when they have begun a modication review?
Also should I sue them for damages
? A rep told me they have been driving by my house every few weeks. Is that legal? Would it be a good idea to file in court for injunction or restraining order?
How can I inexpensively fix this situation?
I also contacted "keep tour home california" and Naca, who are having an event in coming weeks in my area?
Should go to that event and disregard the modifications with seterus servicer and keep your home california?
I don't know what to do. Please give me some advise. I want to stay in my home. I feel the servicer who is IBM and the investor Fannie mae, is trying to steal my home.
Thank you for any advice you can give ?