Flagstar Bank Mortgage Complaint

Flagstar Bank Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Maryland

On - -, -, I filed for bankruptcy chapter - which included my mortgage company Flagstar Bank as a creditor. I never reaffirmed any debt with Flagstar Bank as they did not attend the meeting of the creditors. My chapter - was discharged on - -, -. In - -, I contacted Flagstar Bank to request a loan modification, which at this point I was only month behind in payments because of lost wages due to - and prior injuries. I submitted all requested documents to Loss Mitigation at Flagstar. I resubmitted other documents as requested to Flagstar along with current bank statements as needed. In - -, Flagstar Bank filed for foreclosure with the - - - -. In the Preliminary Loss Mitigation Affidavit, Flagstar stated that the loan modification was denied because I filed for chapter - bankruptcy on -/-/- which disqualified me for FHA modification and HMP. I did not file for chapter - on -/-/-. My chapter - was filed in - and - in -. Again at the time of my modification request I was qualified for a FHA modification and HMP as I was only a month or two behind in my payments. Additionally, Flagstar Bank violated bankruptcy laws as they continued to contact me demanding payments after I filed chapter - via telephone, mail, emails, etc. In - -, a mediation hearing was held at the - of Administrative Hearings. Again, Flagstar refused to modify the loan. To date, foreclosure proceedings are still pending with the court and all attempts to modify the loan were unsuccessful.