Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (WI)

My name is XXXX XXXX. I fear that my mortgage co., Coldwell Banker may foreclose on my home without giving me a chance to turn things around and make it affordable at the same time. The home was awarded to me in a divorce but the loan remains in my ex-wife 's name. She was ordered by the court to allow Coldwell Banker to converse with me regarding the issues with my mortgage that had gotten behind as a result of the divorce & my medical issues. She refuses to do that even telling them not to cash my checks or accept money orders from me when I attempt to make payments. 
I have sent Coldwell Banker a copy of the deed, which my name is on, and the copy of the divorce decree stating the terms of that divorce specifically detailing the orders for the residence. They currently refuse to talk to me because I 'm technically not on the mortgage. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' Why do they continually block my attempts to save my house when I have sent them the documentation needed to verify the court order pertaining to the residence? 
I am currently on permanent XXXX due to XXXX. My health is obviously not good and I desperately want and need help in saving this home as this is all I have left with no means to create income or anywhere to go if I lose this house. 
I am on a fixed income now of $ XXXX./ mo. from XXXX. My mortgage payment of {$420.00}, although seemingly low to most people is around 47 % of my gross income which far exceeds the proposed 31 % of government guidelines under some of the modification programs. The interest rate is set up at 5 %, which is not bad but my understanding is that it can be lowered to as low as 2 %. If my payment could be lowered to somewhere to around $ XXXX./mo. this would be at a level where I could manage that payment and continue to live here as long as I can. 
XXXX Early intervention requirements for certain borrowers - I do n't feel that Coldwell Banker has ever provided me with a " Fair Review Process '' for a modification, as required under the Dodd-Frank Wallstreet Reform & Consumer Protection Act. 
I have given them everything I know to give them through documentation and they still continue to block my efforts and refuse to talk to me although I absolutely qualify for some relief or some kind of modification. Mortgage modification : a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower ( i.e. mortgagee and mortgagor ). In general, any loan can be modified, and the general process is referred to as loan modification or debt rescheduling. 
I do n't know where to turn for help at this point and I 'm asking for someone to step-up and assist me with my mortgage situation. If someone could help me get Coldwell Banker to consider a modification for me, than I could get this back on track and maintain a payment in line with what my fixed income is. Thank you in advance for any help, anyone can help me with. 
Desperate, XXXX XXXX, XXXX, WI.