Case # XXXX- XXXX County Circuit Court , Illinois XXXX XXXX vs Bank of America Debt servicer- XXXX XXXX XXXX Bank Of Americas debt collector/servicer, XXXX XXXX XXXX has filed foreclosure proceedings due to a {$1000.00} debt, from a former debt servicer which shows that I do not owe the amount. XXXX has started foreclosure proceedings while I was making payments ; and has returned my payments.
My Reverse Mortgage Loan originated with Bank of America ( BoA ) ( FHA-XXXX ). XXXX was their first debt collector. Presently XXXX is their debt collector.
Events XX/XX/XXXX Obtained Reverse Mortgage with Bank of America XX/XX/XXXX- Injury leading to decrease in income XX/XX/XXXX paid 50 % RE taxes and requested that XXXX XXXX/BOA pay the balance for me and allow me a repayment plan. They did. A balance {$420.00} was left which included a uncashed I sent to XXXX. XX/XX/XXXX-XXXX XXXX  letter informed me of transfer to XXXX showing a balance of {$420.00} XX/XX/XXXX -XXXX letter states that the default balance is {$1400.00}. We have been disputing the amount since. XX/XX/XXXX-  Faxed to XXXX letter from XXXX and a monthly statement from XXXX showing the balance was {$420.00} XX/XX/XXXX- On several occasions via telephone, fax and mail I have requested the exact date of the occurrence seeing that at times I use checks from XXXX and the PO. XX/XX/XXXX- addressed discrepancy of a {$300.00} ( part of the {$420.00} balance ) payment that I made to XXXX that was not applied to my account. XXXX sent the check back to me. I returned it to XXXX. I had contested the amount because I was not aware that it was issued by my online bank payment company. XX/XX/XXXX- offer from XXXX ( XXXX XXXX ) for deed in lieu of foreclosure incentive of {$3000.00} instead of providing exact date for the {$1000.00} debt occurrence. XX/XX/XXXX-  visited my bank XX/XX/XXXX- letter to XXXX requesting clarification. XXXX re-sent letter dated XX/XX/XXXX with the balance of {$420.00} XX/XX/XXXX- I paid balance {$420.00} to XXXX XX/XX/XXXX- I paid 1st part ( {$4500.00} ) of XXXX R.E. taxes and sent a written request to XXXX to pay the balance of {$4800.00} ; and provide me with a repayment plan. XX/XX/XXXX-XX/XX/XXXX- requested repayment plan several times by phone mail and fax.
I Obtained different responses for each XXXX person I contacted via telephone.
XX/XX/XXXX- XXXX paid balance of XXXX RE taxes. No response to my request for a repayment plan.
XX/XX/XXXX- sought the help from XXXX XXXX XXXX ( XXXX ) .XXXX was told by XXXX that I would obtain a repayment plan and I should contact them. I did.
XX/XX/XXXX- letter from XXXX stating that I could choose a repayment plan agreement ( attached ).
I agreed in a phone call and requested to know the monthly amount.
Subsequent calls I was told that someone had to be emailed with the request and I should call back. This went on for weeks.
XX/XX/XXXX -about XXXX XXXX  telephoned me requesting a down payment of {$3500.00} for the. I said I could make {$3000.00} and pay the balance in 30 days. I continued to call and was told a different answer each time.
XX/XX/XXXX- XXXX promised repayment plan of $ XXXX/month via telephone but needed approval from investors XX/XX/XXXX- Reply from XXXX stating my case was being reviewed.
I continued to contact XXXX by telephone, fax and mail requesting a payment plan to no avail.
XX/XX/XXXX- received Letter from XXXX-stating one of 3 ways to stop due and payable process is to request and approved payment plan. I did. No response from XXXX XX/XX/XXXX- I sent cashier check of {$4100.00} ( XXXX RE taxes ) to XXXX with letter promising to pay balance of {$740.00} within 30 days. ( XXXX RE taxes ) XXXX returned the check.
XX/XX/XXXX- sent cashier check of {$740.00} ( balance of XXXX RE tax ).
XXXX returned check On XX/XX/XXXX- I received a letter from a debt collector XXXX XXXX XXXX XXXX stating that the loan was accelerated {$240000.00}. I disputed it via mail and fax On XX/XX/XXXX- I was served with summons from XXXX XXXX XXXX XXXX for impending foreclosure.
I have since contacted both Illinois Hardest Hit and XXXX XXXX XXXX for Assistance.XX/XX/XXXX filed my response in District Court. Court date XX/XX/XXXX