My husband and I too are victims of Homecomings. Having filed for chapter 13 on 10/23 we thought we were protected. Now two and half years later we found out different. Even though Homecomings had received notification from the U.S. Bankruptcy court regarding our case they filed for foreclosure anyhow on 11/11/03. They then during the course of the chapter 13 added on some mysterious fees and costs (these remain undisclosed) to our amount due to bring current.
Homecomings also took payments we made through our trustee and from ourselves and applied them towards fees, costs and a variety of other items listed on our statements. We had all payments to the trustee taken auto payroll deduction and have records of all payments made personally. Funny how 1 1 doesn't equal 2. We managed to pay off our chapter 13 two and half years early and it was discharged on 07/03.
The last statement I received from Homecomings was dated 08/14 and was still showing us in chapter 13. Yet now we are into a whole new month in which all of the sudden Homecomings files foreclosure on 09/15 with no notice of default. I literally found out about the filing by accident, managed to retain council and respond before they even had a chance to formally serve the complaint.
So here we are, right back to square one, only this time we have no idea how we got here. I have contacted all of the appropriate agencys including the BBB, FTC, Ohio Attorney Generals office and any other place I could think of. Only time will tell what the result will be.
0 comments