Here is my story. I filed Chapter 13 and paid all my monthly payments. I was never behind on my mortgage. Now comes the fun part. I came out of bankruptcy last August. The trustee sent me a letter in July telling me that my first mortgage payment was due in September.
I have made all my payments on time and through certified mail, because I do not trust Midland at all. Anyway, Midland has said since September (my first payment) that I was 2 months behind. I argued for months while they kept tacking on late fees. We went to court on Dec 10
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