Consumer complaint received 2016-05-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Date : XXXX/XXXX/2016 To : Consumer Financial Protection Bureau Summary - Approximately XXXX months ago, my ex-wife, who had been ordered to pay me {$2500.00} per month in maintenance support intentionally got herself fired from a very lucrative position with her prior employer, with an annual salary of over {$350000.00}, so my monthly maintenance support was reduced to {$500.00}. Over the course of the 3+ years she was dragging me through the courts, I was compelled to spend over {$150000.00} in legal fees, depleting my financial assets. My prior credit history has always been impeccable, but my current financial situation has been reduced to a point where I can no longer maintain most of my monthly obligations. 
I contacted Carrington mortgage ( my mortgage servicer ) to see if anything could be done to save my home. They were very vague, uncooperative, and rude. This has gone on for a few months and now I may be forced to consider Bankruptcy due to Carrington 's total lack of any type of dialog. Upon discussing this situation with my son, he stepped forward and offered to assume the mortgage. I contacted Carrington once again and explained the situation to them, and the stall tactics continued. Eventually I faxed them a permission document and password to deal with my son in the assumption process of the loan ; a copy of the faxed document available. At that point I reduced my involvement in the assumption process. From that point on, my son did everything possible to remedy the situation and get an understanding as to what he needed to do to assume my mortgage. Carrington was still unhelpful, in that, one representative hung-up on my son and was treated very disrespectfully and offered no cooperation from other Carrington staff. He was switched from one person to another and told to call this person, and then that one. At one point he was told he required a " password '' to which he replied that his father had already taken care of that issue, but was told that they had not received any faxed documentation from me. Not only did I verify that I had the correct fax number, but also 'confirmation ' of the transmittal. 
To summarize, my son is offering to assume my mortgage and I would live there rent free, especially with all of my medical expenses. I 'm asking for your assistance in this matter, and in the meantime I 'll continue to fight XXXX XXXX ( something I was recently diagnosed with ) from my home and not some 'shack ', which is where I 'll end up since my social security income is {$1900.00} per month and the miniscule maintenance support my ex-wife pays me, which is below the amount the court has ordered and in violation of the court settlement. There appears to be a solution to many issues and I do n't know why Carrington is being totally uncooperative. However, it became apparent very quickly that Carrington 's goal was to intimidate me into paying the monthly mortgage payment NOT to work out any type of reasonable solution. I can provide more details and proof upon your request. 
Thanking you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation