I have not been on the board lately. I have been fighting first AMC, then Citi, and finally Chase/WaMu. After 2 years of talking, phone calls, attempts to modify, I was served with a 24 hour eviction notice on Monday of this week. As I write this I am in a motel for the week.
I had talked with Chase was working on a modification when the house was put up for auction without my knowledge. I was told I had to sign a cash for keys, all paperwork I saw was with Chase, so I guess the bank has the house now. I had contacted my Senator, and congressman trying to stop this process. Nothing worked. I had received a call from a woman who said she was with Chase, and would investigate, I faxed her all the documents, never heard from her again, and I could not reach her. I also spoke with the attorneys who handled this matter for the bank, they told me they would not file for the eviction, they did. Chase says they called me, and I did not return the call, no message was left. That is the excuse they used for foreclosing and trying to sell the house. There are 3 houses for sale on my block right now; all have been on the market for over a year. I hope that Chase loses money with that on the market. I tried to convince them it was better to modify my mortgage, and let the house be occupied, no deal.
I will recover from this, but I don't know about my credit. My home of the last 10 years is gone. I made a bad decision to refinance with Ameriquest and it went south from there. Live and learn.