I have been in a Chapter 13 bankruptcy for the last 3 years because I didn't want SPS to win. They harassed me at work because I had late payments only to find out when I called the foreclosure department that I had 4 payments in Escrow. They said that since I didn't tell them what to do with the money, they held it!
Even though they then applied the money, they said that I was still responsible for the late fees! Then they added late fees on to the later fees which finally led me to making a deal to "catch up" my mortgage. To the tune of $12,000, I agreed and began making double payments. Well, you know that didn't work. I finally went to a bankruptcy lawyer and asked for a Chapter 13.
The lawyer said I didn't owe enough to declare bankruptcy, but agreed I was going to loose my house. We worked on it and finally dragged enough together to ask for a 13.
Now, 3 years later, I am trying to refinance through another mortgage broker, a 30 year fixed rate FHA backed loan at 6% instead of 13%. SPS won't even give my lawyer or the mortgage company the time of day.
So here I am, waiting to get away from these people and they are giving others the same run around I have put up with for years.
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