In July I refianced my home with Aegis Lending to get a LOWER rate and fixed rate also. They sold my loan to homecomings. I did not read the mortage closely and found out later it is a adj. ARM which I was trying to get out of in the first place.
My payments of $735 a month were paid on time until Feb 07 when I went into hospital with acute pancretitus. I was in a coma for 4 months. My girlfriend tried to talk to Homecomings at this time but they would not talk to her. They swore her name isn't on the loan but it is.
In Aug 07 we brought the loan up current, per her lawyers advice. He advised us the loan was fraudulent and said not to pay.
Homecomings sent me paperwork to fill out three times, which I did to explain my current hardship. The only thing I got from them was letters demanding payment of $1100 per month wich I cannot afford. He tried as I have with no success to contact homecomings. I tried to send Homecomings what I could afford but they refused my payments.
Due to my illness I can no longer work and am recieving SSI disability. My yearly income has been cut by 75% and to make these payments I couldn't even afford to pay my utilities or feed myself.
In April 09 I recieved a foreclosure letter (giving me a month to resolve the issue) which right now I'm filing for bankruptcy, to try to stop this foreclosure. I may lose it all and be out on the streets.
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