Freedom Mortgage Mortgage Complaint

Freedom Mortgage Mortgage department,

FHA mortgage Loan modification,collection,foreclosure California

I am writing this letter to explain my unfortunate set of circumstances that have caused me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately I have fallen short and would like you to consider working with me to modify my loan. My number one goal is to keep my home and I would really appreciate the opportunity to do that. The main reason that has caused me to be late is nothing short of my own doing. I had entered into a bankruptcy case last year, due to my divorce and the amount of debt that I was left with but that case was dismissed on -/-/2016. The dismissal was on the declaration of the Trustee for failure to make all payments under the plan which I felt was more payment then I could afford. I was also offered a modification trial period with my home mortgage company. I began the trial -/-/- and I made my first two trial


car, I had to get another car to be able to go to work, taking my income tax and another $1000.00, I purchased a used car, which at the time I did n't realize would affect my mortgage payment for -/-/2016 making it unable for me to make. I never received any word from my mortgage company that I had defaulted on the trial modification, until I had taped to my door a foreclosure sale set for -/-/2016. At that time my only option was to file bankruptcy again, this time my trustee payments are over $2600.00, I can not afford those types of payments. It is my full intention to pay what I owe, but at this time I have exhausted all of my resources so I am turning to you for help. My situation has gotten better because I can afford my car payment and mortgage payment with my income from my full time job and I feel that a loan modification would benefit us both. I would appreciate it you can work with me to lower my delinquent amount owed and or payment so I can keep my home and also afford to make amends with your firm.