Kentucky Housing Corporation Mortgage Complaint

Kentucky Housing Corporation Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Kentucky

My ex husband and I bought our home while we were together. His name went on the loan and both of our names went on the deed. A few years later we divorced. At that time I was working and was able to keep up with the payments for the home on my own. In our divorce settlement he relinquished his rights to the home, leaving everything up to me. At some point after that I had to quit my job due to a medical condition and have not yet been able to obtain -. From this the mortgage went into default. It was somewhere around -/-/2016 where it came up on the 3rd month of being in default. At this point the mortgage company blocked me from being able to pay the mortgage by phone. So I called the collections lady at the housing corporation and she told me that I could not make the payment. That it was too late. I talked to her supervisor and he told me the same thing and that foreclosures take a while and we would have plenty of time to find somewhere to go. Then 3 weeks later the collection lady called


I WAS NEVER GIVEN THE OPTION!! So my house then went into foreclosure. I have found a lawyer who had me get a quit claim deed and said that I can submit for loss mitigation. The housing company told me they were lying and that I could n't. That my ex had to do it with his information but someone who filled for it also had to be living in the home, which he obviously is n't. So they left me hopeless. My lawyer sent them my loss mitigation packet along with all other documents they would need and they have yet to put it into review! They said that the regulations from the CFPB do not pertain to them bc they are a separate entity. I was told that they will look into what they can do but they do n't think it 's going to work out. Also, at the beginning of this situation my ex sent authorization in writing stating that they had permission to speak to me about the loan. After the collections would n't take my payment and lied 3 weeks later I tried to call the supervisor and left messages but no one ever called me back and then the housing company said they COULDNT talk to me because they did n't have permission from my ex. So they apparently " deleted '' the written statement saying that they could. They have made it to where I can do NOTHING in regards to my home. They are also APPARENTLY mailing things about the loan and what not to my ex husbands new address for some reason. So when they say " well we mailed you this ... '' No you mailed it to my ex and I never got it!