August 28
Dear countrywide (office of the president), (mr. Colin), (office of the president), anyone else who reads this letter,
Who Am I well, let me start with I have written at least 10 letters in the past 3 years last one June. My correspondence with country wide is via phones and letters and faxes. Phone calls come with miss information and nothing ever comes of it. As per my last conversation on August 27 with bankruptcy Rep Mike who told me my mortgage was paid thru October with no payment due until Nov 1.
Now once again I am requesting a loan modification or any action to which would allow me to maintain my home and end my chance of losing my home. I was miss informed when I was getting my home loan I was forced to sign this loan because the Rep and sales agent threatened to sue me for breach of a contract. Prior to closing I was never informed that this loan would be a adjustable rate mortgage.
When I tried to leave they threatened to sue and said home owner would also. He also promised he would have me out and refinanced in 3 months. I felt like I choice at that point. There were a few other things like not receiving a HUD sheet of the cost of closing prior to settlement and I was I was told to only bring cashiers check for 700 but before settlement I was told the rep estimated wrong and I needed 3000 more. This took away the savings I had for future payment cushion. Right after I bought my home I was notified by that my homeowners policy was shut down cause the company went bankrupt. I was also involved in a car accident, and then I got laid off from my job. This all transpired in a 3 month period. None of which was caused by myself or would I want anyone else to go through. I contacted countrywide and explained everything to them also wrote letters. To no avail countrywide started foreclosing and my plight fell on deaf ears. Always was turned down for ever type of bail out plan. So on the day before house was to go to Sheriff sale I filed bankruptcy. Now one year later I am paying 1090 on the bankruptcy and my mortgage is to go up to 2500 in Nov. Also most letters in regard to amounts I am due to pay are wrong from when I call to check on the payments. Like phone call yesterday the Rep Mike said I didn’t owe any payments until Nov. Maybe he is right or maybe he is wrong I have no way of knowing. All documents say I need to pay but he says no need for payment. Another Document I received yesterday states that I need to pay $7000 by November.
I WANT TO KEEP MY HOME. I want countrywide to make the money they are due. I am on my hands and knees begging for this. I don’t want to walk away like many have done. I feel an honest interest rate would work for you and for me. We both win this way I get my home and you get paid. I have owned 3 homes prior to this home and none were even one payment late. I have documentation to proof this.
There Isn’t much more that I can’ say or do. I don’t want to loss my children’s one place they are comfortable and take them to a location in our area where they will not thrive which is what is likely to happen if I can’t get you and countrywide to agree to some sort of resolution. Our area is prone to drugs and gangs crime we have as a family worked to keep my 8 and 11 year old away from these areas and our home is secluded and away from the city so my kids are sheltered in hopes of not falling into these circumstances. Moving them from the area to which they are not acclimated to living would have serious consequences to their future. My husband and I make ok money that if we were giving the opportunity to afford the payments we would make sure the house was paid every month. So really it is your choice as to whether or not you are going to allow us to continue to live in our home. Please here our plight and let us keep our american dream and don’t flush our chances down the toilet. ALTHOUGH AFTER MUCH DEVOTION TO PROTECTING ONES FREEDOMS WHILE SERVING 12YEARS IN THE US MILITARYS I HAVE TOTALLY LOSS MY FAITH IN THERE REALLY BEING OPPERTUNITIES TO FUFULL ONES AMERICAN DREAM TO MAY FACTORS PRESENT AT LOSSING IT.
Current outgoing funds each month
House currently $1467 projected November $2600
Bankruptcy payment $1090
Phone for my job $100
Cable $85
Gas for home $125 per month winter / summer $15
Electric for home winter $120 / summer $220
Transportation fuel for car to and from work $250
Car insurance $125
Food and clothing for family $400
Our monthly income
Michael husband after taxes $2612 month
Christina wife after taxes $2000 give or take overtime
Please feel free to contact me at
Phone:
Email: [email protected]
Street address:
Christina
1064 Maurice River Parkway
Vineland NJ 08360
Loan number: 135087734
I do believe i have provided all nessassary information i don’t feel like i have said enough but i hope this letter reaches someone who can help before my time runs out.
Sincerely and have a blessed day,
Christina mccarron
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