Consumer complaint received 2020-06-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I and my husband, XXXX XXXX, bought the house at XXXX XXXX XXXX XXXX, Louisiana in XXXX. In XXXX we divorced, and part of the divorce agreement was that I am no longer responsible for the mortgage. 


XXXX died on XX/XX/XXXX. He intended to give all of his assets, including the house, to our daughter XXXX who was XXXX at the time. However, he did not leave a will, nor did he leave instructions as to who would handle the transfer of assets to our daughter. As XXXX 's mother and because she is a minor, I naturally sought to do this. Since we live in Louisiana, I had to hire an attorney to be named her legal guardian ( I think it's called a tutorship ). I didn't think it would take the year that it has to do all of this. XXXX and I agreed that we would use her father 's retirement money to make the house payments, but that money has still not been made available to us. 


In order to keep our house, I contacted the mortgage company, Select Portfolio Services of XXXX XXXX XXXX, for assistance. The loan was already in foreclosure, so I agreed to a special repayment plan in which I would pay around {$550.00} for 3 months ( XXXX, XXXX, and XXXX ) and thus bring the loan out of foreclosure. 


I believed that XXXX 's retirement money would surely be available by then. I was reluctant to make any payments in XXXX chiefly because I work part time and my take-home pay is around {$370.00} every 2 weeks. And even though XXXX is XXXX  and receives a {$780.00} SSI check every month, it's been difficult to do more than live paycheck-to-paycheck. Unable to make the XX/XX/XXXX mortgage payment, I called Select Portfolio Servicing and told them. Their representative told me to " pay what you can, when you can. '' When our first Covid-19 stimulus check arrived, I resolved to pay the mortgage payment for XXXX and do some badly-needed repairs on the house. I will list these at the end of this letter. I badly underestimated how much all of it would cost. It took all of the {$1200.00} stimulus check. Then the second stimulus check arrived, and I tried to make a mortgage payment on XX/XX/XXXX. I was fully committed to paying for the missed XXXX payment and the XXXX payment that was now due. However, when I called Select Portfolio Servicing, their representative said it was too late and they would not accept any payment. 


Please negotiate with Select Portfolio Servicing so that they will accept our mortgage payments. I know that I can't count on another government stimulus check. I now know better than to count on any money becoming available any time soon from my daughter 's father 's retirement, if any will at all. I know that it will be hard to make mortgage payments on my small paycheck and XXXX 's XXXX check, but we will do it. This is the only home my daughter has ever known. Her daddy promised it to her. He also promised her one of his cars ( she named it XXXX ), but it was stolen along with several other things from the house. She has lost so much in the past year and half, first her dog, then her father, then her grandfather, I just don't want her to lose her home, too. 


Thank you for your kind attention. 
XXXX XXXX List of work XX/XX/XXXX Repair air conditioning Replace broken doors and frames to bathroom and one bedroom Repair broken electrical outlets in living room Repair overhead light in living room Repair outside light on carport Replace broken mailbox Repair washing machine

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation