The Creditor claims that NO payments have been made for a three month period. The Debtor believes that currents payments are being applied to the same three months which are being paid as part of the Chapter 13 plan. Also, recurs as repayment plan continuosly shows three months arrears. This was discussed and understood with previous mortgage holder prior to sell of mortgage. The debtor agreed to pay the on-going late fees.
Debtor is current on repayment plan and expects to be discharged soon.
Since the new creditor has taken over they allege that no payment has been made for three months. Debtor has cancelled checks to dispute the claim. Debtor continued to pay the current request on billing statement. The payments made however seem to have a space of three months. For example, January's payment is applied to the previous October.