I am a 24 year old who bought a condo in 2005. It was sold to countrywide 2 months after closing on the condo. Everything was fine for the rest of 2005 and then in 2006 my grandma died and got behind on payments, countrywide said can do a work out program and have payments of 1600 a month. I told them i couldnt afford that. My payments were 615 a month and then they wanted to raise it up to 1600 a month.
When i told them that i couldnt afford that they said that they were going to foreclose on my property. I was two months behind at the time. So i called a lawyer and he was like with my credit score to save my house would be best to file a chapter 13. This was in april when i was told that. So we started the proceedings.
In june my lawyer was like don't make anymore payments to countrywide so we can put that in the chapter 13 and like a dummy i didnt. So finally in october we filed the chapter 13. Everything was going just fine until december.
I did a payment via western union as usual cause the countrywide in town was like we don't apply the payments to your account we mail it to the payment processing center. So i sent the payment via western union.com which it usually takes 2 business days for the payment to apply to my account. It took countrywide 1.5 months to apply it to my account and then they sent me a letter stating that they were going to court to ask the judge to take my house out of the chapter 13. I was like WTF
So for january and february i didnt have enough money to send it via western union was its like 40 bucks more and my payment was 615 but i still had to pay the court 248 for my chapter 13. So i took the payments to the store in town so they can mail it cause they said it will get there faster. I wrote them a check for january and february the checks have not gotten presented to the bank yet. I don't know what happen to it. But now i have a court hearing to try to save my house. I have the carbonated copies of the checks that i wrote and i told my lawyer that and he was like i don't know if that is enough proof
So i have been either trying to sell it or do something to stop it from going in foreclosure. I put a stop on the checks with the bank and i had to spend the money that has been sitting in my account cause i had to be hospitalized due to had a diabetic episode. Countrywide is stating i owe them 754 for january and february
My regular payment is 615.19 and with the escrow account is it 754. But they are saying the 754 is not for my regular payment with escrow its for attorney fees only which was in my chapter 13.
I don't know what to do. I don't want to lose my house. Its the only residence i have. My lawyer was like keep paying them but they want the full 1508 or they will send my payment back. I don't have 1508 to pull out of my ass.
What do i do? The court hearing is on 3/30/3007 which i have to be on the phone with them due to i cant be there in person.
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