We purchased a manufactured mobile home in 1991, during this time our loan company has changed and or the contract sold four times. When we filed bankruptcy in 2001 Greenpoint credit owned the contract of which we continued to make payments and assumed reaffirmation of the loan was confirmed by Greenpoint credit apon their acceptence of the next four years of payments.
In 2004 we recieved a letter from Greentree in which they welcomed us and looked forward to servicing our loan contract because they had purchased the servicing rights to our loan from Greenpoint Credit.
In 2005 however we began receiving monthly statements from greetree that stated in bold print it was not a bill and that they were only excercising their rights by law etc etc. I tryed three ways from sunday to make them understand that we had reaffirmed our loan with Greenpoint I even sent them a copy of our bankruptcy papers. The bankruptcy lawyer thinks its no big deal as long as we make our payments, but as it stands they do not have to honor any part of our loan contract and can take my home their collateral away by default with one missed payment.
My credit report shows I have Two mortgage companies Greenpoint shows a closed account and greentree shows bankrupt either way I will get no credit for paying off this mortgage.
I contacted the state attorney generals office they did what they could but their not able to force them to do anything they suggested I hire an attorney, I hired an attorney to handle the bankruptcy filing and look where that got me! Now What?