Product: Mortgage

I have a home loan with Carrington Mortgage Servicing, LLC. that is currently in arrears, and am in danger of losing my home due to their questionable servicing and business-related practices. I have been trying desperately nearly 4 months now to get Carrington Mortgage to work with me on a reasonable payment plan,  restructure, loan modification or forbearance but I have had no luck cutting through the red tape. My pleas for help have been completely ignored. I have not been designated a single point of contact, which makes matters even more frustrating. Carrington Mortgage received XXXX XXXX dollars in incentive payments for loan modifications from the Department of Treasury as part of programs such as Making Homes Affordable. Only XXXX XXXX dollars of the received funds has been disbursed, thus giving Carrington the means to continue to help homeowners like me on the governments dime. Wheres my bailout? A SALE DATE HAS BEEN SCHEDULED FOR XX/XX/XXXX!!! I do not want to lose my home, and desperately need your offices help! 

In XXXX, I acquired my home, signing a purchase money loan originated with XXXX XXXX. My loan has since been transferred, most recently to Carrington Mortgage. Nevertheless, I tendered my mortgage payments on time, as agreed, for 13 years. However, in XXXX, I was released from a 20 year contract with the XXXX XXXX XXXX XXXX resulting with me losing a substantial amount of income. As a result, I began to struggle to tender my mortgage payments in a timely manner. I did the best I could to keep up with my mortgage payments, going so far as to deplete my savings and reserves, but I eventually defaulted on my home loan and was moved to foreclosure status. 

In XX/XX/XXXX, I contacted Carrington Mortgages agents advising of my struggles to tender my mortgage payments. After receiving what seemed like the paper chase and run-around, no assistance was initially offered. I have attempted to work things out with Carringtons agents by requesting payment assistance through a loan modification. In XXXX of XXXX, I was eventually sent a loan modification package to complete and return. However, I was advised that a complete financial package must be submitted and accepted by the Underwriting Department at least 30 days prior to a sale date. I received the loan modification approximately 33 days prior to the scheduled sale date. This is not a reasonable time frame to secure and submit all the required paperwork. Carringtons agents have been extremely unwilling to work with me. I have not been designated a single point of contact. No other home retention options have been offered and no review of my current financial circumstances has been opened or discussed. A SALE DATE HAS BEEN SCHEDULED FOR XX/XX/XXXX!!! 


This is an avoidable foreclosure, and this madness must stop. Why cant Carrington open a full and fair review of my current circumstances in accordance with government guidelines? I am sure that there are programs such as a reasonable payment plan, restructure, or loan modification, that homeowners like me have the right to be reviewed for. Instead, Carringtons agents are pushing to foreclose on my home, and have not worked with me fairly.