Consumer complaint received 2015-04-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX Whom It May Concern, I 'm hoping that someone will be able to guide me in the right direction. This is my XXXX ditch effort to save my home. 
After XXXX XXXX in XX/XX/XXXX, I was contacted numerous times by Wells Fargo agents to take them up on an offer of a 6 month moratorium. I did n't even know what this was and when it was explained to me, I was n't interested. The agents called me many times per day until I gave in and accepted it. 
I never received anything in writing that mentioned a future payment plan. 
When the 6 months was up I received more phone calls telling me that the moratorium was extended for another 6 months. By this time I had taken in my daughter, son in law and my granddaughter who had been displaced by XXXX XXXX. 
The next call I received from Wells Fargo was an agent telling me that I now had to come up with {$11000.00}! There was no way that I could do that. I asked if they could add the amount to the end of the mortgage or allow me to pay my regular mortgage plus a percentage of the amount owed, I was told NO. 
I was advised to apply for a loan modification, which I did. It took many months and I was paying my mortgage at that time, only to have the amount paid sent back to me as it was never applied anywhere. 
My modification was denied, so I was advised to re-apply. I did, and was denied again. 
I was then advised to contact an attorney, I did and it cost me {$3000.00}. The attorney did absolutely nothing for me and ended up advising me to claim bankruptcy. 
When I would call to talk to someone at Wells Fargo about adding the delinquent amount to then end of the mortgage, I had to punch in my account number or telephone number, then I would go directly to someone 's voice mail and not receive a call back. 
I have now hired a bankruptcy attorney at the price of another {$3000.00}. 
I would have rather the {$6000.00} go to my mortgage! 
All I want to do is keep my home and pay my mortgage! Why must I claim bankruptcy when I can make my payments? I have NO other debt to put on my bankruptcy. 
Can someone please give me some advice? 

I have attached some articles and links stating that Wells Fargo was going to allow areas affected by XXXX XXXX to add the moratorium amount to the end of the loan. 

XXXX XXXX, XXXX Lenders continue to aid victims of XXXX byXXXX XXXX XXXX XXXX Mortgage senior vice president XXXX XXXX said in an email, " For customers inFEMA-declared disaster areas who have contacted us and are impacted by the storm, we extended the mortgage payment moratorium until XXXX XXXX, XX/XX/XXXX. The moratorium suspends all payments, credit bureau reporting, late fees, collection calls and in some cases, foreclosures. " Once the moratorium ends, borrowers will begin regular payments and can work out repayment of exempted payments with the bank. Mortgage customers can get individualized assistance at bank branches and mortgage offices, by calling the Wells Fargo Disaster XXXX at XXXX oron the website. 
XXXX : XXXX : XXXX Victims Initially Denied Modular Home RebuildFebruary XXXX, XXXX XXXX XXXXcomin New Jersey, Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX from their home by Hurricane XXXX in XXXX, XX/XX/XXXX they could not use their insurance check to purchase a modular home. It would cost {$300000.00} to repair the home in XXXX, NJ, and they found a modular home for {$120000.00}, plus hook-ups, that they could afford with the {$170000.00} insurance money, but the property loss department ref

Company response to consumer: Closed with explanation