Consumer complaint received 2018-11-27
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a condo in NJ that is in foreclosure. I am now XXXX and on SSDI and my condo is underwater. I got a chapter XXXX discharge surrendering the condo onXX/XX/XXXX. My research shows that three property liens survived the bankruptcy including my first mortgage. The foreclosure process officially started on XX/XX/XXXX with a letter from the bank. It resumed after I got my bankruptcy discharge. On XX/XX/XXXX and again on XX/XX/XXXX I wrote a certified letter and followed it up with a email E SIGNED to my banks attorney and my bank with the letter of XX/XX/XXXX sent as QWR. 
These coorespondences specifically were sent to make sure we were all on the same page as to my intentions and the laws that protected me as a result of the bankruptcy discharge. I said I can not and do not want to save the condo or cure the default but in light of certain obstacles ( Junior Liens, my XXXX and financial status ), how could I deal with so there is continuity so the process would be easier for both and requested relocation money and time? They were at a point in the foreclosure where they were getting ready to Enter Final Judgement which I thought was about having me removed. Regardless, of what I thought, they mailed me a package for me to try and be screened to save the condo dated XXXX and all the copies of certain documents. I was conflicted and confused why they asked this of me as my letter told them I can't save it as per my chapter XXXX petition. I did mail it all on XXXX non certified. I had heard nothing regarding my QWR wanting continuity and asking for relocation money. I got a phone call from my bank on XXXX from loss mitigation that they were looking to do a DIL and asked ME to contact certain Junior Lien holders to make a deal to release their lien s. They emailed me a summary and while I understood what they wanted I had to look further into all of it. My bank it turns out settled a class action suit for abuses and errors during the loss mitigation foreclosure process back in XXXX and I was one of them. They gave me a predatory lending modification. They were fined also for " Conveying conflicting messages to certain borrowers engaged in the loss  mitigation process '' Now that is exactly what they were doing to me again. Asking me to contact these lien holders is a violation of the bankruptcy Injunction. They wanted a move out date. I have still not received a proper answer on my QWR. To even start a DIL it must be in writing explaining the terms. Then they have to go through the courts to ask for certain motions. This is why I wanted a single point of contact. They clearly, were trying to do things for their best interest another major violation. No bank will think about a DIL when there are Junior liens and they knew that. I wanted Relocation money and time to find a place being XXXX. The deed to this condo must be out of my name with no existing liens and you can then get any agreed upon money and time to move

Company response to consumer: Closed with explanation