Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (CA)

To Whom this May Concern, The purpose of this letter is to explain the reason for the hardship that prevented me from continuing to make my mortgage payments and falling behind. In XXXX, our oldest daughter, XXXX, presented with unusual symptoms that led to multiple doctors ' appointments and exams. In XXXX, she was diagnosed with XXXX XXXX. She was only XXXX XXXX XXXX and required intensive XXXX treatment and procedures. Her treatment lasted XXXX XXXX when she finally reached remission. Because, of her young age and the maintenance of her remission, she required ongoing supervision which prevented me from working. I became a stayed home father since my wife was employed and held insurance benefits. Our daughter has continued to be in good health but requires ongoing medical monitoring until now. In XXXX and XXXX, our XXXX XXXX XXXX XXXX XXXX. During the XXXX contraction I developed serious XXXX  XXXX  symptoms, and my recovery was long lasted. My then XXXX daughter developed post-XXXX  complications in the form of XXXX  complications. Her medical journey lasted until XXXX of this year. She was medically evaluated for XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. During this journey she was unable to attend school due to experiencing unexpected fainting episodes. She required 24 hours a day supervision and I became her XXXX XXXX who provided supervision, transportation to her medical appointments and hospitalizations. After my daughter 's recovery, my XXXX elderly mother-in-law suffered a fall and had to stay with us for supervision and medical support. Again, I engaged in becoming her caretaker so my wife could continue to work regularly since she is the insurance carrier and primary financial supporter for the family. As of now, I have continued to support my two daughters and my XXXX with their medical care management. Despite our hardship situation, it is my full intention to pay what I owe as things are more stable. I would appreciate it if you could approve this loan modification for us to be able to stay in our home for a long term. I sincerely apologize for falling behind in the mortgage but as you see, there were circumstances that prevented us from keeping us from the mortgage payments. I have been trying to work with them but the foreclosure attorney is blocking us from doing anything. I have a XXXX XXXX loan and at the beginning they were speaking with us and now they refuse. There was a law suit against them due to Respa violations as well as XXXX statue violations according to the report that I was given. According to my attorney for the case he said he had a certain time frame time to file a a particular document. He said that the clerk filed it late therefore the case was dismissed. Now I am at this point and they are refusing to communicate with me in any way shape or form. This is an intentional act. In addition I mailed a XXXX on XX/XX/XXXX and confirmed receipt of it being received on XX/XX/XXXX. I have yet to receive an acknowledgement of receiving it and they have not provided any documents that I have requested. They never even looked at the documents that were sent they denied me the same day. They state it was a no doc review and that they could not come up with an affordable solution. We sent an amortization schedule which may have been an option but they refused to look at it. Like I said this foreclosure attorney has blocked us from speaking to them or XXXX  XXXX. Is this fair????