Totally blindsided here with a letter from CitiMortgage stating that I'm almost $7000 behind with my mortgage. I'm about two months away from wrapping up my 60 month Chapter 13 BK. I've been making $1500 per month, electronic payments on time when only $1440 was due. Have no clue what is going on here. They even when to the BK court and got a relief of stay, so they can proceed with forclosure. I had not recieved any correspondence from them until I got a letter stating that my house is in forclosure and that I need to contact their lawyers.
2-3 years ago, I had been after them for a modification, with no luck whatsoever. All I want is a 30 year, 3.5% loan. Might even consider a 15-20 year loan, but would prefer to have the time. Do have a 2nd with CitiFinancial that was considered "Voluntary Payment" that I did up until a couple of years ago until I just couldn't afford to do.
Have heard that Citi has had some issues with tracking payments recieved and wonder if this is what has happened to me?
Thanks for reading and any insight/suggestions.