I filed a bankruptcy back in 2005. My mortgage was NEVER part of the proceedings. Now after all these years, I'm told by Vanderbilt that My mortgage was cancelled and I no longer have a contract, just a rental agreement. I was actually told by Robin Taylor of vanderbilt that I have been allowed to stay in my home because thay let me. I was never notified by them that my contract had been altered or cancelled until just a few months ago when (due to the economy) I got behind on my payments. I never recieved a reaffirmation agreement from them even tho Robin Taylor says I did. If I would have recieved one I would have filled it out and sent it to them. I never recieved anything from them. Now I am being told by Robin Taylor that I have to be gone from my home by Nov 2 or she will have the sheriff remove me. This all seems to be surreal and almost impossible to find another place in under 2 weeks. I have recieved NO notices of eviction or foreclosure or anything except the threats from Robin Taylor. I have pleaded and begged them for any assistance and they just absolutely will not budge. I've asked for a refinance, a modification or even a new loan so I can stay in my home and all I've gotten is threats that if I don't pay the late payments I will have to vacate. I owe for July, August, September and October and that's it. I am currently working again and could make a payment but just cant come up with the late payments. If anyone can help me with this matter I sure would appreciate it. I'm sure there is some sort of legal action I can take to stop this but I don't know what to do. Please advise me as to what action to take and I will do it. I am at my wits end and am getting REALLY tired of having to deal with a cold hearted %^&$# like Robin Taylor.
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