Consumer complaint received 2020-04-13
Company: Michigan Mutual, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XX/XX/XXXX. I was let go from the company I was working for then I found another job but was making less money. I was still making my mortgage payments until I was laid off from that job. I was collecting unemployment then I contacted an organization called XXXX XXXX to assist me with getting the my mortgage lowered. The person I was working with was XXXX XXXX at XXXX XXXX in XXXX, Indiana. My mortgage is with MiMutual ( Michigan Mutual ) and they had XXXX XXXX constantly having me to complete paperwork which I did. MiMutual would contact me to complete paperwork and I would complete it and send it back. All of this was done and still no lowered payment. I was forced to file a chapter XXXX so that I wouldn't lose my house. I have XXXX degrees and I knew I would find another job which I did. I had several jobs working as a XXXX employee through XXXX XXXX, XXXX and XXXX XXXX. I was making less money but I was consistently employed. I filed a chapter XXXX with XXXX XXXX. I wasn't making enough money to catch up on the past due amounts owed to MiMutual. I knew that there was a program that was through XXXX XXXX that MiMutual was one of the banks on the list of various banks that participated. The program would allow {$30000.00} to the homeowner for past due as well as future payments. I thought great this will help plus get the mortgage reduced at least by half and I would be able to be current. In XXXX there was still no resolution in lowering the payment. I hired a real estate Attorney ( XXXX XXXX ) to help me communicate with MiMutual. Even my bankruptcy attorney that why is it taking them so long to lower my mortgage payment because I filed the Chapter XXXX in XXXX. I am not forced to file a Chapter XXXX BUT I want to KEEP my house. Here we are in XXXX and MiMutual has not lowered the payment. I feel as if they are purposely doing this. It has been extremely stressful. I have XXXX daily and because of that XXXX I developed XXXX. My physician said it could be from an XXXX  XXXX XXXX which I do not have or XXXX. Which is something I have been experiencing since XXXX. I am XXXX  on a daily basis and XXXX daily trying to get MiMutual to lower my mortgage payment. I can make the payments but not the payments I was making when I first purchased my home. I had a reduction in income and I just need it lowered to what I can afford. I do not want to move, sell or have my home foreclosed on. I am still working with my attorney at XXXX XXXX but I am filing this complaint because I need resolution. I even went back to college to obtain a XXXX degree in XXXX. I have about year to go and I will not ever have to worry about not making my payments plus I am employed. I just need MiMutual to cooperate in lowering my mortgage payments to what I can afford. I have kept my home in great condition. The basement flooded and I got that fixed, the humidifer started to leak and I got that fixed and the garage door wire snapped and I paid to get that fixed. I just want to keep my home for myself and my daughter. I just need them to cooperate with my attorney.

Company response to consumer: Closed with explanation