Consumer complaint received 2015-08-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I am XXXX years old and live with my XXXX XXXX ( XXXX ) children. 
On XX/XX/XXXX I received certified letters stating that our home is scheduled to be sold at public auction on XX/XX/XXXX at XXXX PM. 
The Loan servicer is Nationstar Mortgage which acts as a collection agency. The mortgage was previously with XXXX XXXX XXXX and was transferred to Nationstar. 
The mortgage is n't in my name - it is my former husband 's name, although my name and his are both on the quit claim deed that is recorded with the County. 
Nationstar told me I can call them early this week for the exact payoff amount to bring the loan current and stop foreclosure and reinstate the loan ( the amount would be approximately {$45000.00} or more, of which they say I must " wire '' them the full amount the " same day '' they give me the payoff figure because the figure may " increase daily '' and they do not accept partial payment ) - Nationstar will not send me written confirmation of the amount or any proof that foreclosure will stop if I send them the money they demand, nor are they able to give me a an itemization of the fees and penalties that will be included. This puts me in a very vulnerable position. 
All they are willing to do is quote me the amount by phone with no itemization or other details other than how to wire them the money. I think a cashier 's check would afford me more protection. I do n't trust them and for good reason. 
Nationstar acts as a " debt collector '' for " XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Certificateholders of XXXX, XXXX. Alternative Loan Trust XXXX, Mortgage Pass-Through Certificates, XXXX XXXX '' and if I wire them them the funds they demand, I have no legal protection that they 'll stop foreclosure before XXXX or that they will not misdirect the funds. They do not recognize me as the homeowner and have not communicated well with me. I 'll also be paying off a debt that is not even in my name, without any legal protection or written assurance that Nationstar will stop the foreclosure. 
There is one XXXX person ( myself ) and XXXX XXXX adult children living in the household and I do n't drive and we have nowhere to go if I lose my home which I was awarded in 2009 as part of the divorce settlement. There are court papers proving this. My former husband has been uncooperative when I tried to clear up this debt in the past. At first, Nationstar would not even discuss the loan with me until he eventually authorized them to do so, after much pleading. All I want to do is save our home of over 17 years. The house is old and needs a lot of work, so I can not afford a lawyer nor can I afford to lose this precious money which was part of a modest inheritance when my mother died. 
A HUD approved counselor and a loan officer at another bank explained recently that I qualify financially to obtain a new mortgage in my name and should be able to assume my former husband 's mortgage ( i.e. have Nationstar restructure it and put the loan in my name however Nationstar now refuses to do that before the house forecloses. ) I have begun the application process to refinance the house in my name with a different bank, however the process will take more than 30 days and requires my former husband 's signatures. 
I have no where else to go and do not drive. It would be detrimental to my son and daughter to move, since any change affects them. They both receive SSI and we are trying to save our home of over 17 years from foreclosure. 
I have sufficient funds to clear my ex-husband 's outstanding debt on the Nationstar mortgage and thus reinstate the existing mortgage and resume monthly payments on it, however I need legal assistance to protect myself and children in this matter and ca n't afford attorney fees. There is not much time. Please help me.