I feel behind in my mortgage payments. I contacted the housing authority via the internet and somehow Hays and Associates got my information and contacted me. I thought I was talking to a member of the HUD home assistance program which should be FREE of charge until I asked if there would be a fee for this service. The representative then disclosed that she was staff of the law firm Hays and Associates and began convincing me why it would be a good idea to hire an attorney as opposed to other avenues. I've paid them $3999 in three payments. I thought these people were on the ball so I gathered all the information they asked for and they had a notary out to my house to sign the contract and collect the documents within 1 week. I was contacted by no less than 3 people informing me that they were my case manager, then I finally got someone who was new and didn't seem to know what he was talking about.
They did the usual protocol of taking an application from me to see if I would even qualify for a modification and to see if they would accept my case. The representative informed me that my case was accepted. This was in October and to date, my packet has not even been submitted to the lender, its the last week of January!
After they received my last payment, they stopped returning my calls and e-mails, knowing that I am now in panic mode regarding my house.instead of paying my mortgage, I paid this company over $3000 thinking my situation would be resolved by now. Now I'm more than 4 months behind in mortgage and receiving foreclosure notices back to back. When I confronted them about their rating of "F" on BBB report, there was no response. When I asked if my file had been submitted to the lender, I was given a lame excuse that the file was being held up because I had not submitted a copy of my 2008 tax extension. This is the first step in my process of recovering from working with this company. If they do not deliver services promised, I will be asking for a full refund!
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