Consumer complaint: In XXXX we noticed the interest rates going up on our new home loan ; We went through a company called XXXX XXXX XXXX XXXX was working with us in trying to get our interest rate. 
XXXX cooperated at that time. 
XXXX ( XXXX XXXX ) did n't even respond. ( We continued to make the payments. ) The next year ; The interest rate started climbing again. ( No the XXXX Turned out to be an interest only home loan, without us clearly understanding this. We had turned down a legitimate great loan but the sellers on the home, whom we thought were our friends, convinced us otherwise. 
Soon after, we went to XXXX XXXX XXXX, who turned out to be a scam. We saw it on the news on the internet after we had noticed they were n't advertising on the radio. XXXX of there attorney 's tried to take over the loan but he seemed like he was taken our money with no results with XXXX. 
I searched the internet and came across XXXX XXXX XXXX. Meanwhile XXXX was viciously trying to foreclose on us. The loan modification was successful on the first ( XXXX ). XXXX refused to work with XXXX XXXX Firm. XXXX suggested we come in and file a Chapter XXXX and was certain it would work. 

We filed for a Chapter XXXX under XXXX XXXX, the Chapter XXXX Trustee, and the could not find XXXX our whom it belonged to. After several attempts to get in-touch with XXXX XXXX XXXX XXXX dismissed our Chapter XXXX and our credit was messed up. 
My sister, XXXX XXXX 's husband had lost his job. My sister stated asking him for money and came to him for everything, down to putting a huge down payment on cars for her adult children. Not to mention, my niece put herself on my father 's bank account with the help on a friend of hers whom worked at XXXX XXXX. 
He asked me to become his Power of Attorney and I accepted. When I tried to change his account number and get on the account with him, XXXX XXXX told me I could not because I had filled a Bankruptcy against them and it could not happen. A certain amount of time, around 2 years, had to pass before I could get on the account. They did not care about a power of attorney because they had their own power of attorney. 
Soon after, on XXXX/XXXX/XXXX my niece and her mother conjured up a plan to take my father out of his apartment, which lived with my brother, and caused his utilities to get turned off for non-payment and left my brother homeless. He, my brother, had left everything he had to care for my parents since XXXX after my father had a XXXX and my mother came down with XXXX XXXX XXXX and walked away from her home in XXXX CA. I brought my parents to come and live with me and my brother to take care of them because I was still working. There was nothing I could do because at the time he wanted to stay with my sister for a while they move to the other children 's home. She would not let no one see or talk to him on the phone him but my brother whom she know was not a threat because he could n't do anything about it. 
He stayed in the XXXX for 3 days and went to XXXX for until XXXX/XXXX/XXXX which turned out to be my retirement date. 
The stayed with me and started recovering until his health started giving him problems from the past. He passed on XXXX/XXXX/XXXX. It seemed no one cared because as far as they were concern, he was XXXX of age. 
I feel if XXXX XXXX were not the crooks that they were ; this would have never happened. Now they want to run a lean on my home after resurfacing from the past. We tried to work with XXXX do business the right way. They disappeared. I do n't want to have to file Bankruptcy again. We are too old to try to rebuild credit. 

Company response: Company believes it acted appropriately as authorized by contract or law