Consumer complaint received 2022-02-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I became sick and started having financial issues so I contacted a lawyer that specialized in filing a chapter XXXX bankruptcy. Bankruptcy case # XXXX ( Debtor - XXXX XXXX XXXX ) bankruptcy was filed by Law Offices of XXXX XXXX XXXX ( XXXX XXXX XXXX. I received confirmation that my bankruptcy was approved in XX/XX/XXXX. XXXX XXXX added my XXXX mortgage to my bankruptcy for {$29000.00}. Which since my bankruptcy was approved I thought I was released from that debt. Flash forward to XX/XX/XXXX I started receiving mail from Specialized Loan Service on behalf of XXXX XXXX XXXX XXXX which I assume took over my second mortgage debt because I have never done business with them or ever heard anything about this debt owed that I thought was written off in my bankruptcy in XXXX. I never received any notifications that this debt was still owed since XXXX. This debt wasnt added to any of the XXXX credit reporting agencies which I check frequently as I built my credit back up to XXXX rating. 
Specialized Loan Service has submitted a foreclosure on my address on XXXX. When I started receiving mail from them I thought it was another scam and disregarded until in XXXX I started receiving all kinds of mail from companies saying we can help you stop the foreclosure? So I started to investigate and found out this is real. I cant believe this can be legal that they can foreclose on my condo were I have lived since XXXX. I pay my mortgage every month on time and never missed a payment or been late! Now they are trying to take my home over a debt for {$29000.00} that I thought was written off and I was relieved from in XXXX. My biggest complaint is why was I not told in XXXX that my XXXX mortgage was not written off on the bankruptcy filed and approved in XXXX and XXXX  years later the debt Im now told is still owed? I am permanently XXXX and live off {$1900.00} a month now and I have spent all my savings and XXXX keeping myself alive. Specialized Loan Service has sent me a loan modification which i will attach along with the lien that is attached to my property. I can not believe this type of fraud in my eyes can be legal. If I lose my home of XXXX  years that I have put my heart and soul into, and they can throw me out and I will be XXXX! This cant be right! Please let me know what I can do to stop this foreclosure and stop them from stealing my condo from me. I live alone just me and my XXXX dogs and XXXX fish and if they take my condo I have no where to go and will be XXXX! Specialized Loan Service has offered a loan modification at 5.1 % and they want {$7200.00} up front in order to initiate the loan! I have no saving and barely able to pay my bills monthly but I do every month. Im currently dealing with signs of early XXXX and thats why Im permanently XXXX and these types of legal matters totally confuse me and Im doing everything I can to save my home! With my credit score being good I have been talking to lenders that possibly can refi my current mortgage and incorporate my XXXX loan that I thought was released in XXXX. With a refi I then can pay off the XXXX mortgage in full. But I can not secure a refi because my property address is in pre-foreclosure which stops any company from approving a refi! Im so scared that after XXXX  years I could lose my condo! Please see attached documents of foreclosure & refi modification that they are currently offering! PLEASE PLEASE HELP ME STOP THIS! I have put my heart and soul into my home and spent thousands of dollars on renovation projects throughout the XXXX  years I have lived here!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation