JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account New York

In 1996 I bought a house for myself and - children. I was a single mother and was living on - for - -. Me and my children recently came out of a -. Finding this house and being able to buy it on land contract was nothing short of a miracle. I paid for the house in three years. The house was only 15,000 dollars which meant a lot of work needed done. I had yard sales and bought pipes and what I needed to fix the big issues. My youngest child was - years old and very delayed in speaking, walking, talking. Lead testing in children became mandatory. I took my son for his lead screening and found out he had -. Environmentalist came to my house and determined the lead came from our home. Lead abatement needed to happen immediately. I called everywhere trying to get help. My yard sales were not gon na fix this. I needed 12,000 dollars right away to abate lead or we had to leave the house. All I could think of is my - kids and me living in that car again. There were no programs for lead abatement. I found


us leave our home. I enrolled my son in a - and took - at home so he did n't get -. I ripped out as much of the lead as I could without money. I arrived to sign closing papers. - told me they had to lend me 19,000 dollars to pay off bills. When - was finished deducting what the loan cost me I recieved a check for 6,000 dollars. Was n't even close to what I needed for the lead. I signed the papers desperate to get things back to normal. The money did n't last long. Everything I removed from house had to be put back up to code. I had to remove a whole section on back of my house. Everything I did cost money taking lead out, hauling it away and putting the structure back. - - raised my payments with escrow from - to -. - - did n't charge enough during closing for taxes and insurance. I was trying to abate lead with my - money and pay mortgage. Both were vital in having a place to live. My son was getting better. He - which made his -. Trying to keep it together I tried keeping up with mortgage payments and lead abatement while caring for my - healthy children and my son who needed more of me than anyone. I missed mortgage payments and would abate lead. Then - even - payments giving the mortgage company all I had taking money from the abatement to pay mortgage. - started charging me fees of all kinds and for all reasons causing the mortgage payments to go up. Payments went from - to - to - to -. Principal staying at -. I could n't keep up. I fought with - about all the fees and got no where. My mortgage was sold to emc mortgage and things got worse. Still sending payments as much as I could but the escrow kept getting larger and larger. Emc ignored me and any letters I wrote. I hired an attorney to help me for very little money. Emc would ignore him too for months. Finally my lawyer had enough, telling me I ca n't afford to fight them they had lawyers on staff. I had no knowledge of mortgage anything. I did n't even know what a interest rate was until my attorney was in disbelief my rate was -. Somthing percentI remarried and was raising my husbands - kids with my -. My husband worked in the - and was gone a lot leaving me to deal with the mortgage company. My youngest was still struggling in school and the Dr diagnosed my son with -