We bought our house in 2004. We had a different mortgage company for about a month then Homecomings Financial picked it up. At that time our mortgage went up on a few dollars. We were okay with that. We were on time with our payments for about a year and then my husband got laid off his job that he had worked for 5 years. So at that time our mortgage has never been on time. I had called homecomings to tell them about my husband being laid off of work. That I am the only one working. They told me about the payment plan, how they can divide the past due into 6 month payments with my current payment. I agreed to it at the time so I didn't have lose my home. My mortgage payment went up from 868.00 to 1200.00. That was a huge payment for us.
It didn't help us at all. But we managed to pay it with letting our utilities getting shut off. After we had paid that off, we got our normal payment back to 868.00. It stayed that way for another year, then we had recieved our monthly mortgage bill and it went up from 868.00 to 1084.00. Big difference. We had called them and they told us that it was because it was that two year mark in our house aggreement that it would go up.
So we became very behind to were we were at the two month past due. My telephone was ring off the hook. Every hour they would call. It came to the point when we had to turn the ringer off. They have been harrassing us non-stop. My husband and I arguing because we are getting hounded by these cruel people. I don't think it is right to do these to families. Things happen in life that we can not prevent. They need to understand that.
Is there something I can do to stop them from harrassing us like that?
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