Product: Mortgage

A Plea for Help This letter is being written as a plea for help. In   XX/XX/XXXX   I was laid off from my employment and was jobless for approximately 9 months. Subsequently bills fell behind. In addition, I was sued ( Case Number :  XXXX  ) by my  Home Owners Association ( HOA )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , and, unbeknownst to me, and because I was confused about the process and missed the court date, the property fell into foreclosure and the  HOA  was able to win the case and foreclose on my home. I am now renting from  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX , Florida  XXXX  who now holds a Certificate of Title to the property. Upon possession of the property, this owner threatened to evict me and I had to come up with almost {$2000.00} just to stay in the property. This is an unprecedented process that is on the rise and people are losing their homes for pennies. I am unable to pay the mortgage payment, plus another $  XXXX  per month to live in this home. I reached out to you in    XX/XX/XXXX ,  b efore the foreclosure occurred, asking you to pay the  HOA  and add that amount to my mortgage and I received no response.   History of the Foreclosure Process When I was served notice about the hearing regarding the past due  HOA  fees, the notification was served to my child and I was not home and my son was being harassed regarding his relationship to me. That was done in a very unprofessional manner.     Regarding the property value has deteriorated and gone done tremendously since I purchased the home in  XX/XX/XXXX . There had been break-ins and burglaries on the rise since I have lived here. There is no security. I had to increase my cost on my alarm system just to feel safe. The added expense is also another reason why I had fallen behind on my HOA fees.     This development appears to have more renters than homeowners and it shows through-out the development. The properties are not maintained and kept well due to the renters not being responsible for the homes they are renting. Yards are not being properly cut in a timely manner, causing overgrown weeds, snakes and other dangerous predators, and the kids in the neighborhood throw trash as they are walking throughout the neighborhood.     Due to the irresponsible renters, this has caused a significant change in the value of my home. It is impossible for me to sell the property, or put it on the market at a decent price.     I did not think it was fair to pay an HOA fee when they were and still are not maintaining anything within the development that I have seen. The prior president left and had taken thousands of dollars and I, nor other homeowners should be penalized under those circumstances. The HOA never contacted me and asked why I was not paying the fees, nor did they appear to care, which is a concern.     I had spoken to some of the neighbors within the development, and they were also past due on their fees and were not willing to pay, based on many of the facts listed in this letter. In a court document I requested to have the HOA please contact me directly on my cell phone in order to come to an agreement on what was owed, minus attorneys fees, interest, collection costs, costs incurred and any other additional cost. The claim of lien shows  XXXX . The fees started back in   XX/XX/XXXX ,  which I did not agree upon.