My mort. Is with nlac but they report on my credit bureau as wilshire. My original loan was with wachovia who bullied me into a forebarance agreement even though i was not in default, then increased my payments from $2200 to $3500 and my interest rate from 7% to 11%, then immediately sold my loan to nlac in 2007. I have been in and out of bankruptcy ever since because if i don't pay on the due date of the 15th, foreclosure begins on the 16th. I then have 10 days to pay over $18000. They then add over $46,000 to the principal called anticipated legal fees plus and interesting array of late and default charges.
This property is my livelihood so i try to hold on, i try to refinance but the constant additions to the payoff make that difficult plus my credit has been shot since they came on board. I have seen my story on so many of the testimonials on this sight that i am horrified they are still in business. If there is a class action going on count me in.
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