Navy FCU Mortgage Complaint

Navy FCU Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure Virginia

I have - and - mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in -/-/-. I submitted borrower response packages in -/-/- requesting modifications on - mortgages. I was offered a modification on my - mortgage on - - -, but not on the - mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on - -. I called Navy Federal on - - and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in -/-/- or wait for them to finish reviewing the borrower response package I had just re-submitted for - mortgages. I scheduled the payment for my - mortgage on - - but I did not schedule a payment for the - mortgage because it sounded like I should wait for a call on the borrower response package. On - - I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until - -. I received - letters in the mail on - -. - letter from Navy Federal dated - - telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated - - explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help.