Consumer complaint received 2016-03-14
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, Please help me resolve this long standing, stressful, mistake ridden, situation with Seterus , Inc . It has been since XXXX XXXX XXXX XXXX, XXXX. I live in Georgia. My home has been in foreclosure 3 times. It has not foreclosed. I am the homeowner. I own the home secured by this note, the note is in my former late husband 's name and the security deed, security deed was in both of our names since XXXX XXXX, ( this was a refi loan XXXX ). When XXXX died suddenly on XXXX/XXXX/XXXX the ownership transferred solely to me. We had Joint Tenants With Right of Survivorship. XXXX XXXX XXXX stated in XXXX XXXX, if I brought the loan current ( with Life Insurance moneys ) they would modify after 12 months of on time payment.XX/XX/XXXX, I paid approx. {$56000.00} and continued making payments of {$2200.00} thru XXXX XXXX. When I tried to apply for help in XXXX XXXX, XXXX stated " no '' it was a non-conforming loan. I could no longer afford the {$2200.00} per mo. After loosing XXXX, his death, XXXX kids, XXXX XXXX was hit hard, a drastic decline in the economy, I ended up loosing my business. 
They refused to speak with me, until my first complaint in XXXX with CFPB. This is a XXXX mortgage loan. It began in XXXX the XXXX Help Center, XXXX, GA contacted me to help reduce the interest rate of XXXX to a current much lower affordable rate. They knew XXXX was the borrower, All parties knew he passed away. 
XXXX XXXX brokered the mortgage to XXXX XXXX Loans, ( same day ) then to XXXX XXXX XXXX and then to Seterus in XXXX. 
IN XXXX The XXXX help Center advised me to " assume '' the mortgage before a modification was done. I contacted Seterus, they stated there was " no such thing as an assumption, it was an outdated practice from the XXXX.The XXXX help center is not available. XXXX did not work. I worked a mortgage counselor-free, hired an atty who 's firm case mgr promised me a modification, yet my home went up for foreclosure while I retained them. The Friday before foreclosure was referred to a XXXX atty to help stop the process FOR {$5000.00} I put into atty # XXXX 's acct, to be advised by atty # XXXX, they all collaborated, to do a CH XXXX, filed but did not happen, harmed my credit. I contacted you and everyone I could think of as " the successor of interest '' info on security deed and thru your info on your website. I believe I am an owner of interest, as well of successor of interest. After my complaint Seterus contacted me. They tried to offer a modification pkg with era 's from dates not matching to wrong information. I asked them to correct all. It was many times, mine was a 'special case ' 'having to be written by hand '. I asked for XXXX. Seterus said NO. XXXX qualified me for HAMP. I had correct info, 3 month trial plan XXXX, XXXX, and XXXX. During this time I received two letters. # 1 CONGRATS you are about to receive permanent modification. # 2 There is no possible way to assume this mortgage while it is in modification. XXXXSeterus told me to ignore it. I was then told I no longer qualified for a HAMP due to " non payment ''. They never had me assume the loan nor provided clear info on how to proceed after the trial period. After more pursuing, I have been offered assumption and modification, XXXX streamlined mod BUT IT IS 48 % of my income. I was told that I was no longer eligible for HAMP due to non payment. I did not assume it. I would like the HAMP. 
Same date : XXXX XXXX, XXXX assumption had to be complete, XXXX payment made and FORECLOSURE letter and foreclosure would start XXXX/XXXX/XXXX. The assumption has multiple incorrect info on it. I scratched out, initialed it, signed under duress of foreclosure, sent it in. I have not made the payment, 48 % of my income is a potential problem. Can anything XXXX/Seterus make good on mistakes? I have accrued a lot of interest, I have done everything they have asked. All is documented.

Company response to consumer: Closed with explanation