Seterus, Inc. Mortgage Complaint

Seterus, Inc. Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Georgia

Hello, Please help me resolve this long standing, stressful, mistake ridden, situation with Seterus , Inc . It has been since - - - -, -. I live in Georgia. My home has been in foreclosure 3 times. It has not foreclosed. I am the homeowner. I own the home secured by this note, the note is in my former late husband 's name and the security deed, security deed was in both of our names since - -, ( this was a refi loan - ). When - died suddenly on -/-/- the ownership transferred solely to me. We had Joint Tenants With Right of Survivorship. - - - stated in - -, if I brought the loan current ( with Life Insurance moneys ) they would modify after 12 months of on time payment.-/-/-, I paid approx. $56000.00 and continued making payments of $2200.00 thru - -. When I tried to apply for help in - -, - stated " no '' it was a non-conforming loan. I could no longer afford the $2200.00 per mo. After loosing -, his death, - kids, - - was hit hard, a drastic decline in the economy, I ended up loosing


They refused to speak with me, until my first complaint in - with CFPB. This is a - mortgage loan. It began in - the - Help Center, -, GA contacted me to help reduce the interest rate of - to a current much lower affordable rate. They knew - was the borrower, All parties knew he passed away. - - brokered the mortgage to - - Loans, ( same day ) then to - - - and then to Seterus in -. IN - The - help Center advised me to " assume '' the mortgage before a modification was done. I contacted Seterus, they stated there was " no such thing as an assumption, it was an outdated practice from the -.The - help center is not available. - did not work. I worked a mortgage counselor-free, hired an atty who 's firm case mgr promised me a modification, yet my home went up for foreclosure while I retained them. The Friday before foreclosure was referred to a - atty to help stop the process FOR $5000.00 I put into atty # - 's acct, to be advised by atty # -, they all collaborated, to do a CH -, filed but did not happen, harmed my credit. I contacted you and everyone I could think of as " the successor of interest '' info on security deed and thru your info on your website. I believe I am an owner of interest, as well of successor of interest. After my complaint Seterus contacted me. They tried to offer a modification pkg with era 's from dates not matching to wrong information. I asked them to correct all. It was many times, mine was a 'special case ' 'having to be written by hand '. I asked for -. Seterus said NO. - qualified me for HAMP. I had correct info, 3 month trial plan -, -, and -. During this time I received two letters. # 1 CONGRATS you are about to receive permanent modification. # 2 There is no possible way to assume this mortgage while it is in modification. -Seterus told me to ignore it. I was then told I no longer qualified for a HAMP due to " non payment ''. They never had me assume the loan nor provided clear info on how to proceed after the trial period. After more pursuing, I have been offered assumption and modification, - streamlined mod BUT IT IS 48 % of my income. I was told that I was no longer eligible for HAMP due to non payment. I did not assume it. I would like the HAMP. Same date : - -, - assumption had to be complete, - payment made and FORECLOSURE letter and foreclosure would start -/-/-. The assumption has multiple incorrect info on it. I scratched out, initialed it, signed under duress of foreclosure, sent it in. I have not made the payment, 48 % of my income is a potential problem. Can anything -/Seterus make good on mistakes? I have accrued a lot of interest, I have done everything they have asked. All is documented.