Sept. 2002 I entered into mortgage with this company. At the time I thought this company had the best interest rate. Had some employment problems and missed 5 payments in 2005.By end of December my account was given to their attorney for foreclosure action to begin.By Jan. 2006 had sent in missed payments and had entered into a forbearence agreement at that time. When contacted them in March they had only applied the $3500 I sent in to 2 of the missing payments remaining funds were being held in a special holding account-no reason given why.By May they indicated I still owed for 7 missed payments plus $1500 attorney fees. April 17th judgement order granted by local court to proceed with sheriff sale. When contacted them in mid- May they indicated by sending $6200 would stop the sale. At that time I begin to prepare a chapter 13 bankruptcy petition through my attorney. Petition was filed 5 days before sheriff sale was held. House was sold at sheriff sale, but due to bankruptcy filing sale was invalid-thank goodness. The last contact with Citifancial a Mr. Cannon indicated that my loan would not be reinstated if bankruptcy was filed.
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