Seterus, Inc. Mortgage Complaint

Seterus, Inc. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Alabama

Original Servicer for my Mortgage was - - - who went bankrupt and sold my loan to - -, then sold to - ( - ), who stated during the time of the loan, there had been no payments for the past 389 days. In the mist of resolving the problem ( during my own investigation, retrieving documents from - - verified since all payments were sent by US Mail, because checks were not permitted while in Chapter -. - sold the loan once again to Seterus and added $25000.00 to the loan. Home purchased at $ - on - - -. While in Chapter -, since - fees were assessed, cost of misc issues assessed. I have a copy of the letter sent to me from - - stating the monies sent to - - for payment of mortgage. I was not sure where to start here but I knew as soon as my BK was cleared I could take some kind of action. I could not afford a Lawyer because all my funds were accounted for. During this time I had to file BK to save my home, we have been in the home for 8 years. Seterus offered me a modification at $44.00 less than my original payment of $1700.00 which did not help after 6 months to process. They offered me nothing at this point accept for the - options : Deed in Lieu, Short Sale, or Foreclosure. I have opted to use the Deed in Lieu, which was the only viable option and protect my credit from further damage. In - became - and had to retire from my job which was a lost of $ - a year. This is just the nuts and bolts of this claim and this has had a detrimental effect on my wife and I, who is - as well. I asked for a VA Loan since I am a - year Veteran and they gave me the rules in spite of this gross error in accounting and servicing of my loan.