Product: Mortgage

Name : Lender Name : Bayview Loan Servicing Loan # : Dear Sir/Madam I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage. I say Us because my parents and I live in our home. 
In XXXX I lost my job, due to a company merger. I lost my medical coverage and unfortunately that year I went thru several XXXX XXXX with no insurance. As soon as I got better I found a job that only gave me resources to put food on the table. 
Finally, in XX/XX/XXXX I got the opportunity to work for a big company, I was getting back on my feet when in the month of XX/XX/XXXX, I slipped in a split position at XXXX, that Couse injuries to my XXXX and XXXX XXXX  on my XXXX XXXX I was unable to walk. 
Knowing that I have responsibilities I was persistent to walk even in XXXX I attended work but was not able to perform my job duties due to the scrutinizing pain that I felt while sitting, driving, walking impossible to go up flight of stairs or carry my briefcase. I lost my job at in XX/XX/XXXX. 
I looked for a new job immediately to get health insurance, but it was not enough to pay all my responsibilities. after 4 years of suffering my XXXX discovered that the trauma of my fall had XXXX XXXX XXXX that held my XXXX and had a XXXX XXXX that had form due to XXXX XXXX. I went thru XXXX during that time frame the association foreclose on my house, I had paid them but in the process of the HOA changing attorneys there was no record of my payment, that law firm had closed and kept the money I tried to stop the sale and again brought all monies due to the HOA {$15000.00} to the HOA, they said they could not reach the new attorney in charge due to a storm that damage power lines and my house was sold at a public sale on XX/XX/XXXX for {$30000.00} XXXX XXXX. The court tried to reverse the sale, but the buyer would not appear in court and registered the title even thought there was a motions and objection to sale pending. 
I called Bayview Loan services and informed them of the situation and all they said was to try to get the title back, so you may apply for a modification. I hired lawyers, we did a stipulation and settlement agreement with the third party person to return the title and I have been paying him all this time. In XX/XX/XXXX I finally payed him off, and I have registered the title back in my name. I have tried several times to get a loan modification and Bayview keeps changing the officers, and only say I have been decline but never sends nothing in writing, modification request done in XX/XX/XXXX decline due to investor guidelines I have asked who is declining or why and they only tell me I will receive there response in writing. 
I payed another attorney to defend my foreclosure, had to file for Bankruptcy chapter XXXX to give time for a modification called MMP thru the bankruptcy defense they decline said I did not make enough money but never sent a letter. " error by attorney ". After I went to NACA, and I was helped free of charge,, they guided me and i did another modification request and it was decline saying it did not have 38 days and was told MrXXXX XXXX XXXX that I had to apply again for a loan modification again I paid XXXX XXXX XXXX to request and extension of the foreclosure and it was reschedule for XX/XX/XXXX and again I was decline, reason " the investor did not approve '' but I have not received a letter notifying of such nor my options if any. Bayview loan services does not even tell me who the investor is. nor sends me a written letter of denial or options even after caling them The last person to work the modification was Mr.XXXX XXXX XXXX a very rude person with no XXXX that even got the NACA agent upset due to his rudeness and aggressive tone he used with her. she said she will complain to his superiors. 
Please note that i have made payments Under Chapter XXXX bankruptcy, The Trustee XXXX XXXX XXXX has notify me that Bayview loan servicing LLC refuses to accept payments from the Trustee ..