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Old 01-16-2008, 12:37 PM
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Join Date: Jan 2008
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Default Please Help

In October of 2005 I filed personnel bankruptcy, but I continued to make my payments on my home. My payments at that time were $734.17 and I was making $800.00 payments. In April of 2006 my payments went up to $754.42 and I was making $900.00 payments. The total payments due for 2006 were $8,992.29 and I made total payments in the amount of $11,149.00 paying $2,156.71 over what my payments where. In January and February of 2007 I sent in 2 - $900.00 checks (The Mortgage Co. said they never received Jan. & Feb. Payments) which where cashed by The Mortgage Co. and in March and April I sent 3 checks, each for $900.00, whi ch were returned to me in May with a letter that said we needed to reinstate our loan. I contacted Their Attorney to find out what was going on and they said that they had to get us a reinstatement figure because we had not made a payment since December of 2006. The figure they gave me was over $8,000.00 to reinstate. I did not have that kind of money and I went to Their Attorney and showed them all my paper work, including the cancelled checks and the returned checks. I filed a dispute with The mortgage Co. through Their Attorney. I contacted The Mortgage Co. Reinstatement Division and sent them the papers they requested for them to research. I called at least once a week to check on progress and asked if I could make payments only to be told they would not take any payments until research finished with their research. In September (4 months later) I received a letter from Their Attorney says the Mortgage Co. felt the foreclosure to be just. They sent me a copy of my payments and said that my home was going to Sheriff Sale on September 14, 2007. No explanation or anything, just that they felt it was just. To reinstate I needed over $15,000.00 which I did not have. I contacted an Attorney and gave him all the paper work and he tried to stop the sale and work things out and The Mortgage Co. would not stop the sale. I again wrote Their Attorney and The Mortgage Co. a letter and never received a response. So that is why I am writing to you.

September 14, 2007 my home went to sheriff sale, after several attempts to keep it from getting that far. I love my home and I have lived in this home since 1994. I do not want to lose my home that I have worked so hard on for all these years. I can make monthly payments, but as far as coming up with a lump sum of $15,000.00, this I can not do. With all of the foreclosures out their, one would think that you would not want to put someone out that can make the payments. I don’t understand…

I truly believe that this foreclosure was unjust and also very emotionally draining as well. In 2006 I paid over $2,000.00 more then my payments where, does this sound like someone who should be foreclosed on?

My home was foreclosed and went to Sherrif Sale on Sept. 14, 2007. Is their any way I can aquire a home loan from another mortgage company?
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