My husband and i had to file chapter 13 to get out of a tight spot. We were behind two payments and they were included in the bankrutcy. We thought all was going well untill this month we tried to refinance and get our payments lower. We received a payoff amount that was $14,800.00 higher than what the orginal loan was for.
We contacted household finance for a printout and learned that the hugh balance came from defered interest during the bankruptcy where the courts were paying smaller payments but at the same time i was also making full payments to them.
They also lost payments during this time that had i not had a written receipt for i would never of been able to prove that i had paid them any money at all.
I think this is fraud and should not be leagl to do.
I would never again walk into a household office, as it stands now every month i have to go there and get a written receipt to make sure my payments are applied correctly.
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