Consumer complaint received 2020-01-16
Company: Amos Financial LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
1. On or about XX/XX/XXXX Amos Financial Services LLC by its Attorneys, The XXXX XXXX XXXX XXXX filed a Complaint for Forcible Entry and Detainer against XXXX XXXX and all unknown Occupants for possession of the premises located at XXXX XXXX XXXX, XXXX, IL XXXX. 
2. Plaintiff ( s ) Amos Financial LLC introduced themselves to Ms. XXXX as a Collection Agency and Loan Servicer And That the Plaintiff ( s ) was the highest and only bidder for the above mentioned property at a Foreclosure Sale bidding {$40000.00} and an INPERSONAM deficiency judgment in the amount of {$280000.00} against Mortgagor XXXX XXXX XXXX who is now a Senior Citizen to whom Ms. XXXX has known for twelve years and affectionately call Aunt because of extended family but is not biologically related. And that the Foreclosure is the result of Mortgage Fraud legally defined as Intentional misstatement, misrepresentation, or omission of information relied by underwriter or lender to fund, purchase, or insure a loan secured by real property. And that Ms. XXXX and Ms. XXXX interred into an agreement prior to the Plaintiff ( s ) filing Foreclosure Actions in the XXXX County Foreclosure Court and that the Plaintiff ( s ) were made aware of those agreements however due to lack of understanding as to certain legal rights and lack of legal representation on behalf of the Defendant ( s ) Ms. XXXX Pro se Mortgagor and Ms. XXXX rights as Pro se Intervener on the merit of Equitable Interest. And that the Plaintiff ( s ) were able to manipulate the legal process in the courts gaining ownership of the property without disclosing a proper and legal description of the property and not acknowledging Ms. XXXX rights to Equitable Interest and rights to Intervene and causing the court to not honor  her standing in the court as Unknown Owner Of Record. 
3. And that on XX/XX/XXXX the Plaintiff ( s ) filed a Complaint for Forcible Entry and Detainer against Ms. XXXX and all Unknown Occupants after she refused their proposal requesting that she send {$5000.00} in certified funds to secure a loan on the property with no purchase price. And when Ms. XXXX questioned the Plaintiff ( s ) request they then responded with a different proposal which included a loan application, a request for {$5000.00} as an application fee pending loan approval via Seller Financing agreement on the property for {$100000.00} As Is with no repairs or rehab. 
4. And that Ms. XXXX responded to the Plaintiff ( s ) offer with pictures of the inside and a list of damages to the property making them aware that the property is 125 years old in a disadvantaged community that is 6.5 miles in radius with over 1,000 Foreclosed properties and that there were approximately 15 surrounding my residence. And that Ms. XXXX made a counter offer of {$20000.00} showing proof that the properties highest appraisal was only for approximately {$15000.00} in its current condition. 
5. And that on XX/XX/XXXX the XXXX County Foreclosure Courts rule in Favor of The Plaintiff ( s ) giving the leave Defendant ( s ) leave to file under rule 735 ILCS 5/2-1401 and that this rule under Illinois legislature affords litigants a second chance if a final order or judgment was entered more than 30 days prior to the filing of any motion to vacate. The Courts have noted that the purpose of the 1401 petition is to make the court aware of those facts which do not appear in the record that, if known, would have prevented entry of the final order or judgment. See. e.g. Prenam No. 2, Inc. v. Village of Schiller Park, 2006 WL 2381564 ( 1st Dist. 2006 ). And that Ms. XXXX as Joiner Party with Ms. XXXX started and prepared the Motions needed to file the previously mention document within a timely manner and that the document is currently being legally proofreaded and edited by Legal Aid. 
6. Amos Financial LLC is one of four assignments to the above mentioned mortgage from XXXX XXXX- XX/XX/XXXX. That Amos Financial LLC its legal representation has knowing mislead the courts in the Foreclosure and Sale proceedings and that due to financial disparity and the cost of repairs to the property to maintain a safe living area, Ms. XXXX has struggled without proper legal representation or counsel during this entire process which had placed her at a major disadvantage and further financial despair. Customer Service Rep. XXXX XXXX Contacted and harassed the XXXX XXXX XXXX " Mortgagor '' for approximately a year while Attorney XXXX XXXX Manipulate the courts with a faulty Summary Judgement. 
Amos Financial LLC seems to have found its market in Illinois low Income and Struggling communities by collecting on uncollected foreclosures notes and using Seller Financing to resell the properties with no upgrades or rehab for triple the market value to individuals who currently reside in the properties. The City of  XXXX has over 1000 vacant and Foreclosed properties and a 65 % poverty rate. If Amos Financial LLC doesn't sell or rent these homes they sit vacant without rehab. We offered {$20000.00} after investing portions of my retirement and all of my savings while living in the home but Amos Financial has basically tried to force us into their Seller Financing. The information disclosed in this complaint are facts and everything including the number of properties that they have in Municipal Court for code violations can be found in XXXX County Illinois Public Records. We have resorted to filing in two other courts to resolve this situation and I am convinced that the  State of Federal Court are going to rule in our behalf and if not This want happen to others who have been caught up in year of mortgage fraud to be revisited by secondary market collectors.

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