I, too, have had trouble with Midland Mortgage since my loan was bought by them. I have struggled to pay, but if you get past a certain "past-due" date, they will not even accept a month's payment. They require that you catch up in full. I do not know about everybody else, but $950 is hard to come up with all at once.
Since they do not accept payments past their "past-due" date, it is very easy to get behind. Then they file foreclosure and charge an attorney's fee. Then you are further behind. I have paid the attorney's fee several times.
I have just recently filed bankruptcy on the past-due payments just to keep my home. I cannot refinance, since it is past due. My interest rate is currently 10.5%. I have tried everything to prevent bankruptcy, but cannot find another solution. Starting next month, my house payment will be $300, but the bankruptcy payment will be around $500... I have nowhere else to live, so I have no choice, again.
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