I need to ask a Los Angeles area attorney some questions regarding mortgage broker fraud and the Countrywide AG settlement before I call BofA with my financial information. I'm trying to find the best possible course of action before I call them, because last time they said that I can't re-apply for modification for 12-18 months after a denied request.
My financial status is about to change again and I know I will become delinquent within 2-3 months max.
I believe I have a case against my broker for fraud and I wonder if the lies he perpetrated, having gone unsubstatiated by the lender, would forfeit the loan that I was "aprroved" for. I got my credit report from my HUD counselor yesterday, and noticed that on Equifax, it was reported that I worked for my broker!! I have NEVER worked for him!! I am pretty sure he forged my signatures and had his son or wife "notarize" them. Never got disclosures. Nothing. I am sending my QWR today.
Additionally, I've been told for various reasons that I don't qualify for a mod under the Countrywide AG Settlement, but I've read all 26 pages of it over and over and it really seems that I DO qualify. They keep saying that I can't tell them what mod I want, but rather I submit my financial information and they tell me what I qualify for. I am just not prepared to do that right now. Yesterday Mr. HUD counselor told me that my "financial situation was fine" and he suggested making lower credit card payements if I "feel crunched." Seriously?? I am working THREE JOBS to pay my mortgage!! Yeah, I feel a little crunched. (And what is the point of paying for a home you never get to spend time in because you're always at work?!!)
So at any rate, anyone in Los Angeles have a lawyer who they trust who would be reasonably priced (or free) to answer some questions and maybe take a bigger role if they really feel strongly about the case?