Consumer complaint received 2023-04-17
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over the last year I believed was I was under a forbearance with my mortgage company ( specialized home services aka SLS ), I requested the forbearance ( I believe over the phone ), after my husband was hospitalized with XXXX XXXX complications. Leaving him in XXXX XXXX and unable to operate his business. When I called my mortgage company to find out how a forbearance lead to foreclosure I was told they had no record of me requesting this forbearance or granting it. This is so strange to me because not only was I granted it, I actually received a text message ( last XXXX I believe ) asking me if I wanted to extend it. Of course I replied yes. Meanwhile. it looks as though my mortgage was already transferred again to XXXX XXXX XXXX XXXX  XXXX in XX/XX/2022. I did not get notice my house was going up for auction. The certified letter the attorney sent was put in my mailbox with junk mail. The postmark on the letter notifying me of the sale was post marked XX/XX/XXXX the court did not even approve the final foreclosure proceedings until XX/XX/XXXX. XXXX days from the final approval of the court. My house was sold back to the mortgage company. The copy of the approval was mailed to me by the court and was the only letter I ever received from the state court. This foreclosure happened very fast. I thought I was supposed to have options? My right to sell at short sale, or have a mediation did not happen. 
I reside with my XXXX young children, my husband and my elderly and XXXX mother. If it turns out is too late to keep my home and there is absolutely nothing that can be done I feel it is my duty as your constituent to alert you to what has happened to my family so it can be on your radar. Perhaps, something could be done to protect the average hard working but no so savvy voter from powerful attorney backed mortgage companies. 
In the attempt to save time, I've enclosed a copy of the motion I filed on my own to stop the ratification of the sale of my property. Please excuse the penmanship, I was in true panic mode and I did the best I could. I have contacted at least ten attorney 's about this and each has told me they can't help for various reasons. Most commonly and most disturbingly it's because they just don't have anyone in their practice that knows anything about foreclosure law. I've been told the laws in Maryland do make it easier for mortgage companies to foreclose. I haven't done the research to see how true that statement is, but if what has happened to my family is happening to other families it's now my responsibility to get the issue out there. I am hoping you may know of some resources or have some advice of what my next steps should be in this nightmare I'm currently in. 
Last year was the worst year of my adult life. I have XXXX toddlers that I have to care for on top of a recovering husband. I work two jobs and as healthcare worker have been there for so many patients and families through out this pandemic. It has mentally and physically taken a toll on me over the last couple years. There is still fall out happening because of COVID. If there is anyone out there who can help please reach out. I am ready and willing to fight for what is right for my family and others who may be facing a similar path. What happened to my family was either a purposeful deceptive act or many gross errors occurred on the part of the mortgage company. Both of which are unacceptable. I do have evidence to prove to the court I was granted a forbearance, I'm just not sure I'll get the chance. If by the grace of God I do have an opportunity to speak my truth to the court I desperately need an attorney who can represent me. Moving forward, I am very worried we could end up evicted soon. We have no savings, My husband 's hospitals bills account for over XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation