Product: Mortgage

1. We did have a loan modification approved XX/XX/XXXX XXXX. XX/XX/XXXX hardship hit again because of a decrease in overtime at work and a stall in the pay increases that were promised from the collective bargain agreement and the cost if legal fees for my wifes abusive ex husband for custody of the children. 

3. Between early XXXX to XXXX of XXXX infield numerous loss mitigation packets to when I was told and denied modification because they said I had to wait 3 years since the last modification XXXX. This is when I was with XXXX and was also denied forbearance because I was not unemployed. 

4. XXXX of XXXX I filed for chapter XXXX to save my house and do good business by bringing XXXX to the table to negotiate a good faith deal in both of our favor. Even during that time I bankruptcy, another loss mitigation packet was denied because they said it has not been three years since last modification, even in knowing that the debt to income would have been favorable because the debt would be wiped clean and I also had two cars voluntarily repossessed to improve the debt to income ratio. 

5. Due to legal counsel and what XXXX wanted, it forced my bankruptcy payments to increase therefore I saw fit to let the chap XXXX be dismissed and best to wait the 180 days and file a bankruptcy XXXX. The chapter XXXX was dismissed in XX/XX/XXXX and in XX/XX/XXXX our new mortgage serving company was XXXX XXXX. 

6. Even before the bankruptcy dismissal before and after, XXXX XXXX mentioned on numerous time to me that they can contact the VA and get the 3 years waived and get the modification packet and they never contacted the VA when I called the VA. I wish I would have gotten it in written. XX/XX/XXXX XXXX. Then in XX/XX/XXXX I filed a bankruptcy XXXX. The bankruptcy was successful and XX/XX/XXXX all debt secured and unsecured was discharged for except for the mortgage with Rushmore ( current servicing company ) and student loans. 

8. Late XXXX, I found out that Rushmore was my new servicing company and once I contacted them they informed me that it was not a 3 year wait. I was told my them that the VA loans wait time between modification is one year or 3 years. I was denied a forbearance because I was not unemployed by Rushmore. 

9. XX/XX/XXXX, after the chap XXXX was discharged I submitted another loss mitigation packet with Rushmor. I was informed XX/XX/XXXX. Via telephone and letter by Rushmore that I was denied a loan modification because my income to debt ratio to them was inclusive, which was a lie because they knew that all debt was discharged in chapter XXXX. 

10. Then they were always aware of my increasein income of {$12000.00} to XXXX ( not including overtime ) a year because of my promotion to be a supervisor and this was made known in the loss mitigation packet. I submitted supportive documents. Just again to reiterate that I was told numerous times by Rushmore that I was misinformed that I had to wait 3 years. 

Now from my understanding I thought that the past balance of what I owed for the mortgage was supposed to be discharge becaue no one argued it from Rushmore. That also throughout the whole process between XXXX, XXXX and Rushmore I had been lied to on how a loss mitigation packet could be approved and how long to wait in between a loan modification. Between XXXX and XXXX they have intentionally lied to me about how to get approval so they can get a foreclosure sale and for me to lose my home. With Rushmore sent a packet with the appraisal of my home in the middle of my packet review that I submitted with the intention of not approving the packet. They use the lie of insufficient income to debt ratio as an excuse to get a foreclosure sale knowing it was discharged. 

Also if see attached files. Page 7 that I uploaded from the loss mitigation packet shows my income. When you look at there denial letter you will see they intentionally lowered my income reported to deny me. Also they lied about my debt because they knew all of unsecure and some secure debt was wiped out in the bankruptcy XXXX. They never took my pay increase with guaranteed bonus of XXXX dollars each year.