Consumer complaint received 2023-08-02
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, XXXX XXXX sent me a letter stating that I had defaulted on installment payments from a second mortgage I took out in XXXX with XXXX XXXX. The current servicer of the loan, Real Time Resolutions, said I defaulted from and after XXXX. They gave me 30 days to pay {$43000.00} on the original {$40000.00} loan. I had just gotten out of the hospital after a XXXX XXXX and we buried my mom on XX/XX/XXXX and I had difficulty getting ahold of HUD related agencies that month to find out my rights. After 30 days, they sent me a Notice of Default recorded with the County of XXXX ( CA )! on XXXX. The amount they were requesting was {$44000.00} as of XXXX. To find out the amount I must pay or to stop the foreclosure with payment arrangements, the notice told told me to call XXXX. 
Then on XX/XX/XXXX, I received a letter from XXXX XXXX, the district attorney and XXXX XXXX, the assessor XXXX XXXX clerk from XXXX XXXX stating that they were aware of the Notice of Default filed and they wanted to protect residents from real estate fraud. They listed free resources that I could contact to help prevent foreclosure, including the Fair Housing Council of XXXX XXXX, the Homeowners HOPE Hotline and the Department of Housing and Urban Development. They also said that I could fill out a complaint form with the district attorneys real estate fraud unit. I contacted all three agencies, but did not file a complaint. I told the agencies that I had not received any correspondence from Real Time Resolutions in many years including statements, online notices, or phone calls. They just came out of the blue with this letter demanding payment of my second mortgage or they will foreclose. My first {$150000.00} mortgage with XXXX XXXX XXXX is current and up to date. 
I thought that my first and second mortgages were combined into one when I did a loan modification with Keep Your Home California in XXXX. XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX said that modification would not have included the second mortgage. She said that many second mortgages have laid dormant for years and now that there is equity in the home, they are demanding sales. I do have equity in my home which I have not borrowed from. I have lived here in XXXX CA for 18 years. XXXX suggested that I call Real Time Resolutions to negotiate a modification or payment arrangements. I called RTR and left a message asking for restructuring the loan or other solutions and left my phone number on XXXX and did not receive a call back. I tried calling three times on XXXX, and received a recording stating they are a debt collector and then it hangs up on their end. I thought it was a fluke, but it happens every time. 
XXXX got me in touch with XXXX XXXX XXXX XXXX and they gave me a case number XXXX. They told me to respond quickly if there is any attempt by RTR to accelerate. Also I talked to XXXX, an agency that helps with debt that was recommended by the Homeowners Hope Hotline. XXXX from XXXX ran a XXXX XXXX Credit Report on XXXX and Real Time Resolutions was not on the list. She says that it drops off your report after 7-10 years. 
I am willing to pay my debt to Real Time Resolutions. I do remember talking to them many years ago and they wanted {$300.00} a month on the {$40000.00} loan. I told them with {$950.00} on my first mortgage I could only afford to pay them {$100.00} a month. The telemarketer said {$300.00} or nothing. After that in XXXX, I got the modification and assumed it was rolled into one. 
My first mortgage company XXXX is in constant contact with me with monthly statements, email reminders, and help over the phone. They were even helpful when I got XXXX and got behind. I have not received the same interactions with Real Time Resolutions. I also have not received any year-end paperwork for my taxes. I went as far back as XXXX. 
I feel Real Time Resolutions is not being fair with giving me the payout amount, any time to pay it back, and no communication with me except by letter and court order. Id appreciate any advice you could give me in this matter. Thank you very much.

Company response to consumer: Closed with explanation