Consumer complaint received 2016-02-02
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is with XXXX XXXX XXXX, and my Condo Fee contract, is with XXXX XXXX XXXX. My bankruptcy was discharged in XXXX, XXXX. Both parties are fully aware of my bankruptcy, and the fact that I moved out of the condominium since XXXX, of XXXX, as instructed by my bankruptcy attorney. XXXX XXXX XXXX has refused to foreclose on the condo, and since it is still in my name, I have been told by several attorneys, and agencies, I have spoken with, that I am responsible for the condo fees. I now have judgements totaling over {$95000.00}, brought on by XXXX XXXX XXXX. 

I have done everything XXXX XXXX XXXX has asked of me. I have attempted short sale, deed in lieu, and loan modification. I even went to a " making homes affordable '' workshop, desperately seeking someone, anyone, who could assist me, in resolving this matter. XXXX XXXX XXXX has received several correspondence from me, both written and verbal, letting them know that I am in no way interested in any programs they have to offer, and that I need them to foreclose on the property. I have almost all the names, dates, copies of correspondence to and from XXXX, of the representatives, supervisors and managers I have spoken with, from XXXX. XXXX XXXX XXXX have received at least XXXX short sale offers on the property, which included payoff amounts towards the condo fees, but they were all turned down. 

In XXXX, XXXX, I received correspondence from XXXX XXXX XXXX, stating, " The servicing of your home loan will transfer to Caliber Home Loans , Inc on XXXX XXXX, XXXX. '' So after over six years, of moving out of my home, and waiting on XXXX XXXX XXXX to foreclose on my condo, I 'm being told by them, that they have turned over my mortgage to another company. Is that even legal, especially after filing a chapter XXXX bankruptcy? Today I spoke with XXXX, operator # XXXX, at Caliber. I told her that I had been receiving correspondence from them, referencing a total debt of {$340000.00}, and informed her of my bankruptcy discharge in XXXX, XXXX. She told me, that I will continue to receive correspondence from them, because the deed is still in my name, and that there is nothing that can be done about it. I just had to wait until they decide to foreclose. 

XXXX XXXX XXXX has had me dangling for over six years. It is downright cruel and unfair, that they are allowed to do that. They can not sue me for the mortgage on the property, but as long as the condominium is in my name, XXXX XXXX, can sue me for condo fees, for a place no one has resided in for over six years. How is that justifiable? 

I thought I was doing the right thing, hiring a bankruptcy attorney, because I wanted to make sure, that everything was handled correctly and professionally. I ended up filing bankruptcy, because I got scared, anxious, and desperate, especially since I had used up my 401k, and savings, in order to hold on to my good credit. My bankruptcy attorney told me to move out of the condo, if I did not want to be responsible for the condo fees, so after filing in XXXX, XXXX, I immediately vacated the premises in XXXX, and my case was discharged XXXX, that same year. 

XXXX XXXX XXXX has had amply time to foreclose on my condo, but they refused to do so. Now my deed is with another company, and I 'm still being sued by XXXX. When exactly can I expect this nightmare to end? I am hoping and praying, that I will be given the opportunity to prove that, to whoever will listen. Please assist me in getting this matter resolved.

Company response to consumer: Closed with explanation