PHH Mortgage Mortgage Complaint

PHH Mortgage Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure New Jersey

In -/-/- we started having financial difficulty due to a large reduction of income ( 50 % ), increased housing expenses and medical bills due to a child 's - injury. Since then we applied for a loan modification on our own, no attorney involved, at which time we were turned down for too much income. We then hired an attorney and applied for another loan modification that has been ongoing since -/-/-. Of course we filled out all necessary paperwork that was needed asap, but the servicer still asks for the same paperwork over and over to this very day. We must get letters, - or - a month stating our file is incomplete and we have had over - dozen case managers since the start of this all. For fear time was running out, our attorney said we needed to file - - Bankruptcy, which we did. During our filing, we were under the impression that we did n't need to make payments to the trustee until the BK was accepted. That was incorrect and the BK was therefore dismissed. During the few days we were not under bankruptcy protection, the servicer PHH foreclosed on our property without


answer. We have filed - lawsuits against our bank trying to explain that the sale was done illegally, without any knowledge of the sale and dual tracking. We have since had to file a - bankruptcy to stay in our home which was denied due to the fact that we do n't own it any longer. All during the foreclosure process we have had contact verbally and through email with PHH, still giving them all the required documentation for the modification loan. So to that end, we do n't understand how our home was sold beneath us? How they can be reviewing our modification loan and still foreclose? We want to keep our home. We have n't gone through all of this. - BK 's, several lawsuits, precious time and expense to just buy '' time. We have - young children who were born and raised in this home, with the same friends and in the same school system. I hear that banks do n't want to foreclose on homeowners however what else do we have to do to get our home back and our modification loan that we so desperately want??