Consumer complaint received 2016-10-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMA Advisors, LLC. (NY)

I have been a XXXX for over 10 amazing years. Unfortunately, in XXXX I started to increasingly become sick towards the end of the XXXX. I was granted by New York State XXXX a 12 month leave of absence to support and restore my current health issues such as XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. My XXXX became XXXX in a way it was very difficult for me to work on a daily basis. I did not receive any income during my 12 month leave from the XXXX XXXX, only allowed to keep my health benefits. I wrote a letter to request any help that is available to bring my mortgage back into good standing, when I feel behind on 3 payments. 
I have never once missed a mortgage payment since I purchased the home, If anything my payments were always early. This was up until I became sick XXXX of XXXX. I had exceeded all of my bank accounts and just like a snowball affect I could n't stop it, I just kept going deeper into debt with my home and with no help from loan company. 
Home Bridge Financial Services sent me an application and all documents necessary to proceed with a " loan forbearance. '' If I knew then what I know now I would have begged people for money to pay my mortgage.I trusted this loan company and complied with everything they asked me to do. First, I went to make a payment on my mortgage for a month I was behind, and was denied access onto my account online for payment. I called Home bridge and the agent told me my payments are being suspended until they come up with a decision for loan forbearance. I never thought twice about it, I assumed this was protocol in determining a decision. Eight months later numerous times from that point on of asking if I could pay and the XXXX agents assigned to my case still till this day tell me No not until a decision in determined. I pointed out to the one agent that the longer I go without paying my payments the more in debt I am going in, and Ill never be able to climb out of this hole of debt for my home. The agent told me, If I would have saved my money I would n't be in this position to begin with. 
Next, I have sent in all documents they asked for, and every couple weeks I get a completion letter stating to wait 30 days for a decision. Then, like always two weeks later I get a redundant letter asking for the same documents I already sent in and something else they had never asked for before. 
They will send out the letter of documents needed on ( ex. XXXX XXXX, XXXX, I will received the letter on XXXX XXXX from Georgia to NY and the due date will be XXXX XXXX. ) It is impossible for me to gather all the information they ask for as well as signatures from my job, doctors, etc. in 2 days b/c now last months have expired and again have to start all over. Last letter I received was a list of documents that my mother needs to send in, such as, her personal bank accounts, investments, pay stubs, income, etc. and a letter stating she will be the " CO-BORROWER '' on my loan!! I put my mother down as a person who supports me with my daily living expenses up to about {$200.00} a month, and next thing I know I receive a list of personal information they are requesting from my mother to be co-borrower without any permission or knowledge by my mother and I. I have collected a pile of redundant letters for documents needed and documents stating I completed my application process. I feel as if they are doing this on purpose to me at this point. They claim they do n't receive my faxes but I have proof showing the fax went through. Majority of the time their fax machine is shut off, they never call me back or answer my emails. If they answer my emails they are very vague and wont answer my questions and advise me to call. They REFUSE to take any of my mortgage payments since XXXX until they make a decision, and eight months later still no decision.