Consumer complaint received 2015-05-29
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a copy of the letter sent to green tree. 
Dear Green Tree Servicing, I am writing this letter to ask for consideration for a loan modification. I have been out of work since XXXX XXXX, XXXX. I was injured XXXX on my job. My worker 's compensation was denied and my case is currently in litigation. I have suffered a loss of income which has produced a severe financial hardship. I have an upcoming court date later this year reference to my job injuries. My attorney is XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I have been unable to work because of my injuries and because I have been under the care of XXXX XXXX. I am under certain work restrictions and limitations because of XXXX XXXX, XXXX, XXXX, and a XXXX. My employer refused to allow me to work under light duty job restrictions. I had to retain an attorney. I was injured on XXXX XXXX, XXXX and XXXX XXXX, XXXX. My employer documented the XXXX injury but not the injury in XXXX. After my XXXX was denied, I found out that my employer was insured by XXXX different insurance carriers when my job injuries occurred. After the doctor documented my accident in XXXX and XXXX, it was determined that my employer had placed responsibility on the previous insurance XXXX because my employer did not document my XXXX injury. Employers coverage expired on XXXX XXXX, XXXX. As a result, the first insurance carrier, XXXX claim Number XXXX, was being held financially responsible for an injury that took place outside of their coverage dates because the second injury occurred in XXXX and took precedence. A different XXXX, XXXX of XXXX, XXXX, was the XXXX in XXXX of XXXX. My employer lied and hid the injury. This is why my case is in litigation. 

I have not been able to work since XXXX XXXX, XXXX and have been unable to earn any income with my employer or been in a position to work due to my injury. The only reason I have been able to make my monthly mortgage payments in the past was because of savings, and help from my family and church members. My attorney and I had anticipated that this matter would be cleared up by this time. However, due to multiple delays by my employer 's attorney, a ruling for my employer on XXXX of the injuries, and another court hearing scheduled for later this year, I have depleted all savings and I am not in a position to keep borrowing. I have been advised to and have filed for XXXX because I am not employable nor able to work. I have an attorney, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, for my XXXX case. 

I have done all that I can to keep my mortgage payments current despite being without an income for more than XXXX ( XXXX ) months. Even though I am now in arrears, I have made a good faith effort and I respectfully ask that you consider this request of modification which can allow me to keep my home. 

I am currently working with a XXXX representative. I have sent paper work in to green tree several times. Green tree has come back and asked for additional documents XXXX. They have yet to give me or the XXXX rep an answer. This is sickening. I contacted them in XXXX XXXX, months ahead of time, to let them know that I would be unable to keep making payments in XXXX. Green tree still did nothing! They are stalling and refuse to work with me. I did not miss a single payment until this year. They need to be shut down. The WORST mortgage company on earth! 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief