Consumer complaint received 2015-06-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our house was bought with a mortgage from XXXX. When they went bankrupt, the mortgage was sold to XXXX XXXX XXXX. Then it was sold again to about XXXX years ago. Then in XXXX of XXXX we got in the mail a notice saying that it was the final notice that our house was being foreclosed on by Green Tree. This was the XXXX time we had heard of anything like this about a foreclosure. We had been late on the mortgage a couple of months, but we had n't received anything before this that said foreclosure. When we got the attached notice, we immediately filled out the papers that were attached to it that said we could get Assistance Modification. We faxed the modification paperwork to the number on the notice. After the modification paperwork was submitted, XXXX from Greentree said to send in {$900.00} to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. But the cashier 's check we sent was returned to us by the mail saying it they were no longer at that address. We called XXXX back and he said to mail it to XXXX XXXX XXXX, XXXX instead. We did n't trust the mail, so we started bringing the money orders in person to this office building each month. 
We took a money order to them each month and received a receipt. Because we were paying them each month and had gotten a receipt for our payments, we thought the foreclosure was taken care of and that our loan had been modified and was being held by Greentree. We were told to make our money orders out to XXXX XXXX XXXX XXXX. 
Then on XX/XX/2015 we received court papers saying that we had to report to the Justice of the Peace in XXXX on XXXX XXXX, 2015 for a foreclosure hearing. We got the name of a lawyer from a friend as someone who works with foreclosures. We hired XXXX XXXX XXXX of XXXX XXXX. We called him to try to hire him to come to our hearing on XXXX XXXX, but he said that was n't enough notice for him to make it to the hearing, so we went to the XXXX XXXX hearing in XXXX alone. The judge asked if we had a lawyer and we told him our lawyer could n't make it to the hearing, so he rescheduled our hearing for the following week. So then we paid him {$2500.00} in fees and he showed up for the next hearing around XXXX XXXX or XXXX. The lawyer did come to this hearing, but the judge said that he had only been on this bench a week, so he could n't make a ruling, so he was going to transfer it to a higher court, to XXXX XXXX. 
Our XXXX hearing in the XXXX court was on XXXX XXXX. Our lawyer did n't show up, so the judge said that the court did n't inform the lawyer of the change in court date, so they rescheduled it for XXXX. When we went to the XXXX court date, our lawyer showed up, but he would n't allow our translator to come into the court. 
At that court hearing, our lawyer told the judge that we did n't speak very good XXXX, but that he would make us understand. Our lawyer asked me only XXXX question " Were you making payments on the house? '' We told him we had been paying every month until we received the notice in XXXX saying that our house had been foreclosed on. After that, they did n't ask us any questions, the judge just ruled for the XXXX XXXX that he owned the house. 
After this, we asked our lawyer to appeal, but he said he would n't do that, that we needed to hire another lawyer. He did not mention anything about us needing to pay a fee for an appeal. A week later on the XXXX of XXXX, we got a notice on our front door saying we had to vacate the house. We tried to call our lawyer, but he would n't answer our calls. We finally tracked down someone at his office who would answer the phone, XXXX, he said there was some fee that was supposed to be paid, but this was the first we had heard of it. He said there was nothing more to do. We started packing up and they came to throw us out of the house on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation