We bought our doublewide in July 1997, making this year 11 years we have had our home. It was financed through Green Tree at that time, payments were $448.80.in 1998, we refinanced at $68,400, making the payment $679.97 through Southern Atlantic then sold to Conseco, then a few years later sold back to Green Tree. Now our payments are $705.60.
We have had our problems, same as everyone else. My husband became Diabetic and in the hospital for a while on and off since 2002. Just recently we have became 2 months behind on our home. Green Tree had called every day and I do not and ill not answer their calls, because I have been called a liar, they have literally called my husband a dog and I refuse to talk to them anymore. They have called our neighbors, people down the street that do not even know us, and our family members. They have even scared my 15 year old niece *at the time* one day when she was babysitting for me, they called and told her they were coming to this house to get it while she was in it. That was ridiculous. Who sounds childish?
My husband talked to them on the 30th of June and told them he would have the money on July 3rd, well, wasn't good enough. She took the bank info and told my husband she was taking it out on that day, June 30th and then july 24th. Needless to say it bounced on July 1st. The same day my husband talked to the company, they sent us a default letter dated the same day June 30th.
We received yet another letter from Green Tree of a 'Notice of receipt of partial payment' that was dated July 1st, *they didn't actually get that payment, it bounced* saying 'Thank you for your payment of $705.20. 40 cents less then they said they were taking out, which was received in our office on 06/30. Please be advised that we have started to take the necessary steps required by law to gain possession of the creditor's collateral. (Does this mean they are already starting repossession?) We have already sent you a 'Notice of Default and right to Cure Default Notice' advising the amount of default. That notice is still in effect, and we will proceed as outlined in the Notice unless we receive $894.63 before the due date set forth in the Notice. This is simply to notify you of the terms acceptable to green tree to forbear from pursuing its rights to the collateral. You are under no personal obligation to make payment and any amount you do pay green tree are at your discretion.' but yet we have been paying on *their* home from nov. 2005 to 2 months ago without any knowledge of the home being in the Bankruptcy. Not including the insurance we were paying to them for them, that we thought *WE* had.
Well, I just recently got my husbands credit report and it showed Green Tree 'Included in Bankruptcy', Secure Loan, closed account, with the same account number. $0.00 Balance. It wasn't listed once, but twice. I was in shock.
We did file Bankruptcy in August and wanted to keep the home. I called the US bankruptcy Court and found out that our home was filed bankruptcy on and that we DID NOT sign an re-affirmation. As soon as I heard this, it felt like a huge burden had been lifted. I quickly raced to the bank and took out all the money we did have. Green Tree has not mentioned anything about the bankruptcy on the home. I guess just a way to keep money rolling in.
We have gotten so tired of all the harassment they have given us over the past 11 years. We have decided to walk away from the home that will never be ours now. They are not worth it. And I don't think they will be getting what they want out of this place. Doors falling off hinges, bathroom floor is coming apart, light switches needs replacing. I guess thats what you get when you get a crappy home from a crappy company. I will miss the fact that the kids were raised in this home and we were secluded from the neighborhood, but thats about all I will miss. I would not recommend anyone to Green Tree.
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