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I moved to Portland looking forward to starting another career.
After I was here for a couple of years I got very very ill
I tried working temporary work but there was no way to could keep up with my mortgage payments.
So I applied for disability and mortgage assistance. That was almost three years ago.
I spent a lot of sleepless nights, a lot of non-constructive time on the phone trying to get an answer from bank of America.
I have no relatives. Where was I going to go? What was I going to do?
Finally, about three months ago, I got an offer for a modification, a temporary modification.
But what enrages me is that it was a one-sided agreement. The bank sent me a letter and it wasn’t even signed by anybody.
It said if you pay this amount of money for three months we will consider what we are going to do.
In the meantime they are serving me certified letters giving me a foreclosure date for December 19th.
They make it very clear to me that when I pay one of my payments that that foreclosure date still stands.
They are going to sell my house on the courthouse steps and I have no recourse as to what they do or how they do it.
I just don’t think that that is the way things should be done in America.
The payment on my modification is fine with me. I’ve been can make it; I’ve been making it every month.
But I still can’t get an answer about doing anything permanent.
Well it’s such a cold system. They give you an eight hundred number no matter where you are in the process and you talk to a different person every time.
There is nobody who says, “I know your case or I have your file right here” I think we should be treated as individuals as human beings.
It should be a two-sided process. They don’t tell you what kind of mortgage they’ll give if they give you they wont tell you what the payments will be.
They just leave you hanging until you have paid off your modification payments.
I have heard of people that have been making those payments for over a year and they still foreclosed on their house.
I am not out of the woods and it is pretty scary.