I have a FHA Loan. My mortgage Company is Metlife Home Loans. It hasn't been two years yet on are discharge from Chapter 7 Bankruptcy. Since everything now is paid in cash and we have had some unexpected expenses come up ie: (Vehicle repairs, Dental repairs and Vet bill). Which put us 3 months behind on Home payments. We have sent in our paperwork to our lender for an loan modification or to have payments forgiven. So we can build are credit history. Our problem is the Lender keeps losing paperwork and when I call them up to ask questions everyone tells me a different story. What should I do?? What else can I do.Is there someone else that can help me? I'm to the point to pack up and leave the keys in the front door.
Note: Metlife Home Loans doesn't do Mortgages anymore. They have stated that they were only servicing there current customers and waiting on someone to buy them out.