Consumer complaint received 2020-08-18
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX Foreclosing Is a lawyer in XXXX 12 years of experience her firm represents Nationstar Mortgage d/b/a Champion Mortgage on a XXXX man in XXXX NOT any following XXXX rules or none zero in court forclosing with any StatutoryNotice my self or my brother in XXXX Again the house is in XXXX non XXXX   Explained my dilemma with Champion Mortgage and the sale of moms Mortgage from XXXX XXXX after they sued for the second time Basics Nationstar- Champion Foreclosure without proper notice to myself and my brother In XXXX My brother and both on the mortgage Both should have received the statutory notice brother never received the notice even got notarized letter set to the church he never got the statutory notice from mortgage never got any notice for the hearing or selling house currently in court brother never got most recent court stating the lawyer will come to court because we filed all the lawsuit been 30 days and they never told him still I the XXXX  one got 2 days before postdated a month the I did the same thing They attempted Sell by auction nope SOLD they auctioned off and according to the basic XXXX foreclosure rules and XXXX XXXX XXXX you had many more Some of the basics I will send the entire complaint We have complaint and objections and the lawsuit in court need help NOW COMES, the Defendants and respectfully moves this Honorable Court to set aside the foreclosure sale of XX/XX/XXXX on the grounds that no notice of sale was served or mailed to Defendants. The sale was a chilled sale in that it was advertised in the Union Leader a newspaper published in XXXX XXXX XXXX, XXXX County. The subject property XXXX XXXX XXXX, XXXX, XXXX XXXX is in XXXX County. In addition, the property did not sell for a normal price but was sold back to HUD for as an REO property for {$45000.00}. 

XXXX XXXX died on XX/XX/XXXX, and had taken out a reverse mortgage on the subject property onXX/XX/XXXX.to XXXX XXXX XXXX XXXX XXXX. who later transferred servicing to Nationstar Mortgage, LLC D/B/A Champion Mortgage Company. The foreclosure sale is in direct violation of XXXX RSA 479:26 and contradicts the Affidavit of XXXX XXXX XXXX, attorney for XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX, recorded in XXXX County deed Book XXXX, XXXX XXXX. 

The Affidavit of XXXX XXXX, an authorized agent of Nationstar Mortgage D/B/A Champion Mortgage Company is flawed in that the XXXX XXXX a newspaper published in XXXX XXXX XXXX, XXXX County and the notice sent on XXXX XXXX, XXXX, has the wrong address of XXXX XXXX who lives in the subject property and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX was not properly listed on the Affidavit of XXXX XXXX. 

Defendants XXXX and XXXX XXXX wish the foreclosure sale to be set aside as a chilled sale since they had no knowledge of the sale and wish the sale set aside and plaintiffs be required to auction the property again. Defendants contend had they known of the sale they would have bid {$45000.00} or more to keep the property which is valued 11. Ever since XX/XX/XXXX, it has been alleged that Defendants Note and Deed were placed in a XXXX XXXX XXXX XXXX ( HUD ) Trust and now the Trust has been transferred from XXXX XXXX XXXX, NA as servicer to Nationstar Mortgage LLC D/B/A Champion Mortgage Company. 

12. After the death of XXXX XXXX on XX/XX/XXXX, there was a dispute over the taxes and insurance of {$240.00} a month. XXXX XXXX, heir to the estate began living in the property at XXXX XXXX XXXX, XXXX, XXXX XXXX and began paying the {$240.00} disputed amount. Suddenly, the Servicer refused to take payments causing a default. The defaulted amount was {$10000.00} or less however, the Servicer threatened to foreclose. Numerous phone calls and attempts to settle this matter fell upon deaf ears.. 

13. Defendants respectfully ask the court to set the Foreclosure sale aside of XX/XX/XXXX, as a chilled sale, wrongful foreclosure as Defendants and Guardian Ad Litem were not properly foreclosure rule my lawyer in XXXX broke all of the rules never got correct notice brother did not get proper notice the selling never go ability to even offer or refinance anything used my stimulus money to help hire the foreclosure lawyer from he has no help me complaint and objection to the court and even help with a lawsuit he told me This Champion foreclosing without proper notice proper they broke all the foreclosure rules notice sale When asked me she twisted it around so that she tried to tell judge wrong info correct as to sale being posted Union Leader in XXXX county Trying had payment arrangement sent by my personal lawyer advance of property taxes for XXXX in change to XXXX XXXX when got in serious trouble forced to sell now champion, we were told has our POA and arrangement will move to new mortgage person every payment was returned now foreclosure without proper notice All foreclosure rules broken violation XXXX Champion The foreclosure timeline from a legal perspective Typically, your lender will send you a letter giving you 30 days to cure, which means to bring your loan up to date. If you fail to cure, your lender will accelerate your mortgage obligations, which means that your entire balance becomes due. To complete the foreclosure sale, your lender must take the following steps per XXXX   XXXX XXXX : At least 25 days before the scheduled foreclosure sale, the lender must send you a notice of the scheduled foreclosure sale. 

At least 20 days before the scheduled foreclosure sale, the lender must publish a notice of the sale in a newspaper in circulation in your town or county. The notice must be published once a week for three weeks in a row. 

The lender must conduct a foreclosure sale at your home, or another location if specified in your mortgage. The lender can not force you to leave your home on the day of the auction and you do not have to let anyone into your home. 

A third party, or the lender itself, may purchase your home at the foreclosure sale. Once a foreclosure deed is recorded by the new owner, you are no longer the owner of the property and should start considering other housing options. 

these are just the basic long list issues with Them not following foreclosure law again she works work for Nationstar Mortgage dba Champion mortgage currently being sued many class-action thousands in complaints consumer protection F XXXX  rating

Company response to consumer: Closed with explanation