Consumer complaint received 2015-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Madison Management Services, LLC (HI)

I have been going through the foreclosure process since XX/XX/XXXX. When we first obtained the loan the lender reassured me I would be able to refinance my loan after one year of making the original payment which was {$5600.00}. They told me that I would need to do this in order for me to get a better rate which would bring down my payment dramatically. When the time came to refinance they told me I could n't and soon after I found out they filed bankruptcy and sold my loan to another company. I stopped making payments because I found a company who said they would help me with a loan modification and they told me in order for me to qualify for a modification I would need to stop making payments because the lender said there was no reason for the modification because I was not delinquent. We were having a difficult time making the payments of {$5600.00} and thought this would be a good idea to help us alleviate some of the burden. After 3 months of non-payment we found out that the company we paid to help with the modification was a fraud and the lender will not help us with the modification. That then put us into panic mode. I tried calling the lender and they told me they will not accept any payments and sent back my check. We searched the web looking for help then we came across a company, known as XXXX XXXX, owned by XXXX XXXX, who said they would buy my house and rent it back to, we paid them {$12000.00} and soon found out they were also scammers. Then we met up with XXXX XXXX and paid her XXXX to help us fight our mortgage company because they believed the company trying to foreclose on us did not own the loan and no one has the original papers to foreclose on us. 
My loan has been transferred 4 times within a 6 month period. I have tried to apply for a loan modification with each lender but each time my loan documents was always getting lost. Finally, with the current servicer Maddision Management they received all my documents but I was recently denied saying my income will not be sufficient and my arrears was way to high and they could n't come up with a payment affordable for us, which I will appeal. 
The bank that was originally foreclosing on us was XXXX XXXX and now we found out that the investors have changed and we do not know who the rightful owners of the loan are. The companys who are involved now are XXXX XXXX, XXXX, XXXX and Maddision Management Services. I have not received any Statements from anyone but Madison Management Company since my loan was owned by XXXX Mortgage. The statements I receive are dated for today but they are asking for payment in year XX/XX/XXXX. Statements are not current. Also year ending XX/XX/XXXX XXXX XXXX sent me a Cancellation of Debt form which I have attached for your viewing. They are still making me liable for that amount. 
I feel harassed by my lender, they send people to my house to take pictures of the house. They enter my property without permission. Two weeks ago someone entered our property and my children were home. They were scared because they did not know who was walking around. My son went out to ask who they were and they did n't answer. They just kept taking pictures of the house and walking around. Even though I am in foreclosure they should still respect us as human beings and not freak my kids out. They come to my house at least once a month and take pictures, not only from the street but up close and on my property. My kids called my crying and saying there 's people here mom, what do we do? This is totally unfair and disrespectful.