I need URGENT HELP, to STOP THE NOTICE of TRUSTEE SALE 3/8/21 (CA property).
Deed of Trust is under Gerald (father, unmarried) and Suzie, (daughter, married). Got a Loan of $600K, with $3,500 interest ONLY payment a month.
After few years, Suzie did a Quit Claim.
Florentina was not married to Gerald, when he got the loan.
4 different lenders changed hands, JP Morgan, Indy Mac, Indy Mac One West, Ocwen and
now, the 5th lender is PHH Mortgage. When Gerald suffered financial difficulty, he was promised by these 4 lenders a loan modification. He waited and waited... he suffered a lot of worry, lack of sleep, loss of appetite, got high blood pressure, anxiety, stress... led to his early UNTIME
LY DEATH.... heart attack/aneurism. Sadly & devastating! He died on Mar. 24, 2012.
Back in July, August, Sept. 2012 Florentina was given a Forbearance period to pay $1,400 a month
(I passed the 3 months).. then they gave me another 3 months (Oct, Nov and Dec. 2012, for $900.00 a month ( after they received my Financial Hardship that they reduced to $900)… Since then from Indy Mac One West Bank, to Ocwen, then to PHH.
June 20, 2019, I sent to PHH Mortgage, the 30 pages (combined docs, loan mod & business proposal), by FAX and by 2nd day UPS. They both received it. Mukesh Mahur, Case Manager assigned to this loan, told me that PHH Resolution Dept. received it, but did nothing about it.
He informed me that he will keep me update.... ONLY to receive a Notice of Trustee Sale 5/22/20,
later on, it was cancelled due to Covid Pandemic. I was informed again that they will notify me and keep me update?? … ONLY to receive another Notice of Trustee Sale 3/8/21 (this is the current Notice of Foreclosure that I need help to STOP the SALE of our property).
PHH is now claiming that the total amount owed is $993, 433.85
less $600,000.00 Principal Balance
---------------------
$393,433.85 COMBINED total past delinquency payments and past legal fees ( still going up on a monthly basis?)
I totally disagree with the above figures.... if ONLY these lenders kept their promise to Gerald and I, to loan modify....
the Principal balance would have been reduced.
the Monthly payment would have been lowered.
the Combined total of past delinquency payments and past legal fees, should not have been ACCELERATED!!
I felt strongly that we are being discriminated, neglected, and ignored!
If only they did the loan mod, my husband Gerald would still be alive by now. How do you put a price on the loss of your loved one??? and now they are doing the same thing with me... giving me a lot of promises, asked me to send documents, etc. but nothing happened?? Is this consider an Elder Abuse, False Promise, Business Malpractice,
or can I sue these lenders for Violation of California Homeowners Bill of Rights, for Lender abuses?
or am I qualify to reverse the Trustee Sale of 3/8/21 since they received my Loan Mod application back in June 24, 2019?
or May present the following options to PHH Mortgage:
Business Proposal Option 1:
1. either forgive, cancel or delete, the debt of Gerald, US Army, Deceased, in the amount of $600K, with $3500 interest only monthly payment.
2. Waive all the combined past delinquency payments and past legal fees.
NOTE: if only they kept their promise to loan modify, then this figures will not be accelerated.
or
Business Proposal Option 2:
1. Reduce the Principal Balance from $600K to $400K.
2. Lower the monthly interest payment from $3500 to $800.00
3. WAIVE all the combined total of past delinquency payments and past legal fees ( should not have accelerated if Only these lenders kept their promise, ) how long does it take to do a loan mod??
NOTE" these are 5 giant lenders changed hands, they buy out or merged, made enormous profits, and neither one took their time to take care of one military man's loan (Gerald, who served his country)?? it is really UNBELIEVABLE that these lenders are not there to help you.
My question, will you be able to help me with my scenario to STOP THE TRUSTEE SALE OF 3/8/21?? or is there a California Foreclosure Defense Attorney, who can help me sue these lenders, for Violation of CA Homeowners Bill of Rights, plus Lender abuses, etc?
Looking forward to hearing from you soon.
Thank you kindly.
Sincerely,
mauriefr
[email protected]
415 710 6410 cell
Deed of Trust is under Gerald (father, unmarried) and Suzie, (daughter, married). Got a Loan of $600K, with $3,500 interest ONLY payment a month.
After few years, Suzie did a Quit Claim.
Florentina was not married to Gerald, when he got the loan.
4 different lenders changed hands, JP Morgan, Indy Mac, Indy Mac One West, Ocwen and
now, the 5th lender is PHH Mortgage. When Gerald suffered financial difficulty, he was promised by these 4 lenders a loan modification. He waited and waited... he suffered a lot of worry, lack of sleep, loss of appetite, got high blood pressure, anxiety, stress... led to his early UNTIME
LY DEATH.... heart attack/aneurism. Sadly & devastating! He died on Mar. 24, 2012.
Back in July, August, Sept. 2012 Florentina was given a Forbearance period to pay $1,400 a month
(I passed the 3 months).. then they gave me another 3 months (Oct, Nov and Dec. 2012, for $900.00 a month ( after they received my Financial Hardship that they reduced to $900)… Since then from Indy Mac One West Bank, to Ocwen, then to PHH.
June 20, 2019, I sent to PHH Mortgage, the 30 pages (combined docs, loan mod & business proposal), by FAX and by 2nd day UPS. They both received it. Mukesh Mahur, Case Manager assigned to this loan, told me that PHH Resolution Dept. received it, but did nothing about it.
He informed me that he will keep me update.... ONLY to receive a Notice of Trustee Sale 5/22/20,
later on, it was cancelled due to Covid Pandemic. I was informed again that they will notify me and keep me update?? … ONLY to receive another Notice of Trustee Sale 3/8/21 (this is the current Notice of Foreclosure that I need help to STOP the SALE of our property).
PHH is now claiming that the total amount owed is $993, 433.85
less $600,000.00 Principal Balance
---------------------
$393,433.85 COMBINED total past delinquency payments and past legal fees ( still going up on a monthly basis?)
I totally disagree with the above figures.... if ONLY these lenders kept their promise to Gerald and I, to loan modify....
the Principal balance would have been reduced.
the Monthly payment would have been lowered.
the Combined total of past delinquency payments and past legal fees, should not have been ACCELERATED!!
I felt strongly that we are being discriminated, neglected, and ignored!
If only they did the loan mod, my husband Gerald would still be alive by now. How do you put a price on the loss of your loved one??? and now they are doing the same thing with me... giving me a lot of promises, asked me to send documents, etc. but nothing happened?? Is this consider an Elder Abuse, False Promise, Business Malpractice,
or can I sue these lenders for Violation of California Homeowners Bill of Rights, for Lender abuses?
or am I qualify to reverse the Trustee Sale of 3/8/21 since they received my Loan Mod application back in June 24, 2019?
or May present the following options to PHH Mortgage:
Business Proposal Option 1:
1. either forgive, cancel or delete, the debt of Gerald, US Army, Deceased, in the amount of $600K, with $3500 interest only monthly payment.
2. Waive all the combined past delinquency payments and past legal fees.
NOTE: if only they kept their promise to loan modify, then this figures will not be accelerated.
or
Business Proposal Option 2:
1. Reduce the Principal Balance from $600K to $400K.
2. Lower the monthly interest payment from $3500 to $800.00
3. WAIVE all the combined total of past delinquency payments and past legal fees ( should not have accelerated if Only these lenders kept their promise, ) how long does it take to do a loan mod??
NOTE" these are 5 giant lenders changed hands, they buy out or merged, made enormous profits, and neither one took their time to take care of one military man's loan (Gerald, who served his country)?? it is really UNBELIEVABLE that these lenders are not there to help you.
My question, will you be able to help me with my scenario to STOP THE TRUSTEE SALE OF 3/8/21?? or is there a California Foreclosure Defense Attorney, who can help me sue these lenders, for Violation of CA Homeowners Bill of Rights, plus Lender abuses, etc?
Looking forward to hearing from you soon.
Thank you kindly.
Sincerely,
mauriefr
[email protected]
415 710 6410 cell