Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WA)

We originated our Mortgage through XXXX, who in turn sold our loan to XXXX XXXX XXXX. During the housing crisis our family experience a job change and XXXX hospital stays for our daughter that resulted in a {$60000.00} loss for our household that year. My husband and I who are now separated, but working on reconciliation. We contact XXXX XXXX XXXX XX/XX/2011 to negotiate HARP assistance. XXXX XXXX XXXX lost our paperwork twice, and delayed getting help for over XXXX months. We even enlisted a credit counselor service who promised to get us " back on the road to financial recovery '' who took our money and failed to pay our bills. The only resort we had left was to file Chapter XXXX bankruptcy XX/XX/2011. Once we did this XXXX XXXX XXXX immediately sold our loan to NationStar. We have had nothing but trouble reaching NationStar to discuss anything with or negotiate or take action. They place you on hold for more than 15 minutes at a time and then hang up on you. We are broken, exhausted with the trials of the last five years of struggle in order to make ends meet and we can not get the help we need. We have both worked since the age of XXXX and are hard working. We have always tried to do all the right things and teach our children to do the same, yet we seem to never be able to get ahead. We are now having health issues due to all the stress that both XXXX XXXX XXXX and now NationStar are putting us through. We received a notice a week ago that they have involved XXXX XXXX XXXX to begin the foreclosure processes, however we have not been served with notice, nor any postings placed on our residence and we are still in Bankruptcy, which will not end for another year. NationStar told the US Bankruptcy court that they had served us a notice regarding mailing address changes, however if this is the case, then they did so fraudulently and without valid due process. We both work 10-12 hour days both of us have long commutes my commute is an hour in the am, his is more like XXXX, due to traffic issues in XXXX. We have tried to work hard for the " American Dream '' only to find ourselves in our late XXXX 's back to square one. We have attempted to contact the HOPE program, but they seem to do little to help and take a while to help with problems that need to be resolved immediately. I am sure they are busy, but this housing crisis problem is still very much alive and in my opinion, far from over or near resolve. From what I can see online, settlements for those hurt by XXXX and XXXX XXXX XXXX actions have been disbursed or closed. So, those that have continued to try and do the right thing, attempting futilely to gain control of the losses that plague them, have now missed the life preserver thrown out to help those injured. It saddens me that the Whistleblower 's who spoke out about what happened to consumers while working with XXXX XXXX XXXX faired much better ( in financial compensation ) than those people who were truly injured/affected by those Whistleblower 's actions. These people cost consumer 's their homes, their livelihood and their mental health.