I received a letter from attorney representing Fairbanks Capital Corp, saying I'm behind in 2 pmortgage paymnets and wanting the bankruptcy court to discharge Faisrbanks as a debtor so Fairbanks can foreclose on my home. They are the 2nd mortgage company. My bankruptcy should have been discharged at least 8 months ago. I've been trying to get a refinance since June and cannot because of the bankruptcy still showing on my credit report (another criminal act story). I was just locked into an interest rate but I have to have the discharge date to go on with the refinancing.
I just talked with a Fairbanks "bankruptcy" person named Joe in PA. His monthly amounts are what they are supposed to be an I really only owe 57.00 (rounded out) for this month. But yet the attorney they hired states I owe several thousands of dollars and there are 2 other monthly amountts they claim I need to pay. 5511.00 (rounded out) and 456.00 (rounded out. I'm concerned that if I don't pay the "right amount" whatever that is, I'll end up like I did before and then have to file another bankruptcy. I filed my bankruptcy back in 12-97 and still on the books.
I really feel that Fairbanks does not want me to refinance at a lower rate so we can lose our home of 16 and a half years. Am I wrong? I need help here and I need some answers as to what I need to do. I just want to refinanceat a lower rate then 13.9% that we got tricked into in the first place.
Thank you for being there for those who have needed you including me and my family.
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