U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Minnesota

All of my housing troubles started back in - when I realized my now, ex-wife, was not paying the mortgage ; she was instead stashing money to prepare for a divorce. In our divorce, everything was split 50/50, except for the house - I took that on. I figured I 'd be able to find a way to get out of the hole. I realized this was my first mistake since I was unemployed at the time, but did n't feel like I had any other options besides keeping the house. What followed was the 50/50 split with our kids turned into me having them full time ; this came into affect -. I did n't complain about the new agreement because I did n't feel I had the right to. I wanted to do what was best for my kids & ensure they were cared for. However, this caused more financial strain & debt. It was about this time I tried my - of - loan modifications with US Bank. I completed the requirements & was denied a modification because I was new at my job. Over the next 3 years, 4 others attempts were made to modify the


time to figure out any other options. I also just did n't want to be a failure. Fast forward to - when I started - again for no apparent reason. Debt was rising and mortgage errors were so far out of whack that all I had was a prayer to get caught up. I continued to be stubborn & stay in the house due to positive thinking, much like I still am now. -, I went to the hospital with - & found out I was having a - -. I had always had them, but was n't aware there was anything wrong ; I just thought it was normal. Over the next month I was diagnosed with -. I had all of - off for medical reasons & in the - of that year I put myself through treatment for -. During this time, we were also discovering more about my mental health & how it would continue to affect me. I used to be so -. I 've worked with my - and - ( - - - - - ) worker to find that routine and structure are very helpful, but I have not yet gotten this completely in order. My - worker helps me sort -. and even getting assistance with these small tasks helps me function better -. So how does this all relate to my housing situation? I learned from my father to not make excuses, be responsible, & handle your own problems because no one else cares about them. Because of my -, I was a reactive person, not a constructive thinker. Even now as I attempt to avoid homelessness, I am still clueless about next steps. I do n't have a plan of where to live, how I 'm going to pay for another house or who to talk to about any of it. I do n't even know if I have room in my head to figure it all out. In sum, this house is home for my kids and me. It 's solid, safe, welcoming & restorative. It 's my chance to break a generational cycle of poor decisions & public assistance/housing. I 've unknowingly followed in my father 's footsteps despite my efforts not to. My kids & I need this house to ensure a better future for us.