It began when my ex suddenly quit paying child support after 10 years of payment. I became 60 days late on my loan with homecomings in 2003. I called to aprise them of the situation. The only remedy offered was to finance the two payments with legal fees increasing my payment by 300 a month for the next two months. Paying more was not an option. They put me in foreclosure. Within a month my ex went to court and was forced to pays so I had money to work with. They would not accept my payments and did not returne any calls or faxes so that I could rememdy the situation. They would not answer questions regarding when my home would be foreclosed. They waited until June so the fees to really rack up. I filed a complaint with the attorney general of nebraska. The nebraska attorney general only addressed the refusal to return phone calls and information.
So, I entered into a repayment plan the last week before my house was to be auctioned. I hired a company for 1500$ to mediate since they had refused to answer my calls and faxes. The attorney general took several months to finally get an some remedy. The repayment plan required making a 1700$ house payment for the next two years. I made the payments for six months but my ex quit paying again and I called to let homecomings know I would be late. I sent the payment and they took it but they put me back into active foreclosure. I was 1 week late.
The same things occurred, a refusal to take my calls, huge junk fees. I filed bankruptcy to keep my home. The bankrupcty chapter 13 seemed to be okay. My lawyer said to make the same payments as I had been. I did each month. Now, homecomings reports me to the trustee saying I am 4 payments behind. What has actually happened is that homecomings changed my house payment by 70$ for a supposed shortage in escrow. They did not notify me. They sent the same statement as usual with the only difference being the amount behind that I was reported, and by a change in the escrow column. No where on my statement did it have the house payment listed or that I was behind.
At most I am 70 a month behind which comes to 700. They are charging me late fees for each month because I was short. I am being hauled into court with the trustee. I have no lawyer cause my bankruptcy lawyer was in the reserves and was shipped to texas. He cannot represent me. I have contacted creighton law clinic and pray they will help me. Homecomings reports that I am 4400$ behind. They are charging me property inspections fees each month and a fee for speed drafting despite that I pay with a personal check. No where on the statement does it notify me of this charge.
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