Litton loan bought our loan in may. After flipping
mortgage companys 3 times in 2 months. I was 5 months behind when they bought it and when they called, we told them we had 3 months of payments they said that was not good enough. They said it was to far that they was going to start forclosure.
In July we filed bankruptcy to save our home. Then they forced house insurance on us at the tune of $915.00 in which we already had isurance on the house. We were making payments for Aug, Sept, Oct, Nov and Dec. We missed a payment and was going to send it in Jan they filed on us stating that we were 4 months behind.
The bankruptcy lawyer filed an injuction to stop it, in which we had to pay an extra $428.00 a month for 6 months along with the regular house payment of $585.94 to clear up the arrearges, in which we paid and got back on track.
Everything seemed to be going fine until we decided to refinance our house. We called in June for a pay off in which we were told, was $10,000 more than what we originally financed. Then in July of they sent our payment back and said it was not enough to pay it in full, then they sent a letter to the bankruptcy judge and stated that we were 3 months behind and the bankruptcy court judge signed the relief of automatic stay for litton.
At this point they can legally foreclose on our house, without us ever being notified or to go to court to tell our side of the story and show proof, the judge just signed it granting the loan company the right to start with foreclosure proceedings. They called 5 days later and said we were 7 months behind and when my husband told them that we had recipts, and they hung up on him.
We took all the recipts to our lawyer to show we made all our payments, our attorney then talked with there attorneys, in turn they found all my payments. But they said they was still going to forclosue because our payments were late, which is not right because, we have all the reciepts. I sent all of our payments by certifed mail, and made them sign for it.
They were not posting our payments for at least 3 to 4 weeks after they received them, which in turn has basically forced us to be late by there standards. Because, they filed forelosure on us the new mortgage company that we were going through to get refinanced, backed out of the deal to refinance. Not to mention its already been put on our credit report that we are in foreclosure proceedings, so every mortgage company our broker has tried to shop this deal to, can't do it.
Can anyone help, What kind of lawyer do we have to have to stop these people and save our house? Were do we start? We have talked to our attorney we used for bankruptcy, but he is flabbergasted and doesn't know who to refer us to, he said he has never seen anything like this in his 22yrs of practice. Can someone please help?
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