Long version made short, we got behind in payments due to a job loss, they foreclosed, we filed bankruptcy, worked out a forbearance plan that would catch us up over a year as well as paid 3 months back mortgage.
After banktuptcy, we are trying to refinance, the problem is we now owe $10,000 more than what the original loan (44,000) was for.
All the $ we have paid them has went???
They show on our credit report that we are $10,000 behind. The equity is now gone in our home, plus we can't get a loan due to what's been put on our credit report. We want away from these vultures! Help!
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