After reading that Florida is demanding proof of title for mers' notes, I quickly stated researching. Come to find out there are no law firms willing to do this. Chapter 13 or chapter 11 seems to be the only viable option.
This is concerning, since our bank "met life" who has been posing as first horizon home loans (bank of new York investor) to get out of complying eith hamp requirements, filed a notice of default on our property right after we completed the trial mod. They took all 3 payments and applied them to fees, making us 90 days late.... Then attached a declaration showing a contact made in february as our opportunity to seek mitigation. It states that we did not reply and were offered the opportunity to meet with them. This is total BS, in fact we signed our trial modification papers on 2/25 (5 days after this bogus attempt)
This is absolutely not legal in california and, no one is willing to back me up on this.
I've been reading all these posts about producing the note... Fighting the robo signer.... And honestly, has anyone successfully done this in California?
I am ready toz remedy the default and go back to living on ketchup soup, because if I don't have my mortgage I don't qualify for ch 13 and it seems that if I am going to get screwed I might as well have my house and hope for a re coup.