Dovenmuehle Morgage is in the process of foreclosing on our home, it will be listed Monday, and the amount to reinstate the loan includes this months payment which isn't past due until after the 16th of the month. If I do not pay the amunt they are requesting by 5:00 P.M. This Friday, the amount goes up another $950 for legal fees. If not paid by October 2 the house goes up for auction.
My last payment was sent via Western Union and they declined the payment. I did not receive notification from them it was declined and I don't know why it was declined. Western Union sent me a letter which I received two weeks later notifying me to go to their office to receive my money.
I have been late on payments but not two months late where they would need two payments to get the loan current. The payment they returned was sent August 1 and it was for July's payment. What they did was ignore the "not past due til 16th" which is on my payment coupons.
I was told to contact Badger Law Office regarding reinstatement/foreclosure and was told I am three months behind. July (they returned), August and September. September isn't past due til the 16th of the month. When I asked why they were demanding a payment which isn't past due I was told it was their requirements.
Dovenmuehle hasn't sent me a letter telling me about the foreclosure. I haven't received anything from Badger Law Office. All of this information was given to me Tuesday when I called Dovenmuehle Mortgage for the total amount (two months plus their late fees) and was told the loan had been sent to foreclosure. I was then told to contact Badger Law Office which I did immediately. They informed me the loan was 3 months past due (they are including September which isn't past due until 16th).
Two payments total $3082 plus late fees, which I can pay today, but they want over $6000 to reinstate the loan. That amount goes a little over $7000 if not paid by 5:00 P.M. This Friday. I'm a single parent and I do not have an extra $3000 or $4000.
We have lived in this house 11 years. I never had any problems with my loan until Dovenmuehle Mortgage began servicing our loan. I pay $100 a month for mortgage protection insurance which protects them in case of default.
My plan was to stay in the house until our son graduates from high school then I would put it on the market to sale. He graduates this year so looks like I'm not going to make my plan.
0 comments