In October I filed Bankruptcy and I was told that I needed to keep making my mortgage payments by my attorney. I realized that I would not be able to afford my mortgage payments due to the fact that I was placed in an unaffordable mortgage loan. I contacted a private company in New Jersey that deals with loan compliance issues.
As of January 16th EMC mortgage company recieved my qualified RESPA complaint and ignored it. They did not respond in the required 20 days.in fact their attorney has moved forward in the bankruptcy proceeding to have my automatic stay lifted so that they can foreclose. My bankruptcy attorney does not feel it's within the realm of bankruptcy to present my RESPA findings to the court. Thus as of March 11th I will have my automatic stay lifted and my home will be foreclosed upon even though I have a legitimate RESPA complaint.
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