Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

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

My spouse filed for chapter - approx 2010. Our attorney advised that we could have our home equity line of credit 'stripped ' because the house was appraised at less than what we owed. The chapter - was approved and we were assigned a trustee to which we sent money to each month for a period of time. Then, our attorney called advising that we could have the bankruptcy converted to a chapter - where which we would no longer have to pay the trustee. We paid the attorney the additional fees and the chapter - was approved. Now, my spouse is attempting to refinance her home and we are advised that Greentree financial, the heloc company has a lien on the property. I can go on and on about how greed is destroying America. But for crying out loud, we were led to believe that we followed the letter of the law. Now I ca n't do n't hear from our attorney and the window of opportunity is closing to qualify for


My spouse has been working for the same company for fifteen years. Now. She barely makes above $30000.00. The company has layoffs very very often and each time it scares the wits out of her. She is a hard working individual as is evident by the fact that she has never been laid off but she works in manual labor and she is getting old to the point where she may not be able to keep up the pace for very much longer. And she 's aware of that and she 's just trying to lower her interest rate from 5.5 % to a -. Not very much, but its something! And now she 's being trounced on by this lender when the rule clearly states ' In addition, if your house is worth less than your first mortgage, you can petition a bankruptcy court to declare the HELOC loan as " unsecured, '' which would effectively cancel the loan as well as the lien. ' Do we have to be rich, or in the 1 % to have this rule affect us? I 'm a - veteran and she 's coming up on a major decision as to remain at $30000.00 and continue with the wear and tear of her position, or quit and find something for possibly $7.00 per hour. Our government and the corporation that support or government have placed her in a lose-lose situation. Please help.