Consumer complaint received 2022-11-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Millsap & Singer, LLC (MO)

I have been discriminated against and taken advantage of and am being forced to leave my home of 18 years because of my combat injuries and cognitive issues. My name is XXXX XXXX XXXX and I'm a Combat XXXX Veteran VA rated 100 % Total and Permanent and in XXXX I spent a lot of time in VA XXXX and my finances were damaged so in that same year I filed XXXX XXXX XXXX and was led to believe that a 2nd home loan included was discharged. Never heard anything for 10 years and on XX/XX/XXXX I received a letter from a law firm named Millsap and Singer saying that my home would be foreclosed and sold on XX/XX/XXXX. I am Combat XXXX and have some cognitive issues so I called my mortgage company XXXX and informed them of the letter and they said no worries, I was in good standing and my home would not be foreclosed on the XXXX. I called Millsap and Singer and told them what my mortgage company XXXX said and also explained to them in great detail my hardships from my combat injuries, my many VA XXXX stays and how I damaged my finances from my injuries, how I made extra payments to XXXX  to ensure no foreclosure and that XXXX said I was in good standing and current and that no foreclosure will happen on XX/XX/XXXX and they said they would have to hear it from XXXX. So I talked to my mortgage company XXXX again and a different person said the same thing, that I was in good standing and there would be no foreclosure and that it was a scam. I explained that the Lawyers said they needed to hear it from them, a 3rd XXXX employee once again said no, it is a scam there will be no foreclosure and that I was safe. I tried calling the lawyers back but was unable to reach them till the XXXX and they told me my house sold XXXX minutes ago and there was nothing I could do about it. They told me a company called XXXXXXXX XXXX XXXX  foreclosed on my 2nd mortgage loan I thought was discharged in XXXX in my XXXX XXXX XXXX, 10 years ago, and I never, ever heard of XXXX XXXX XXXX  till that very second. I asked the lawyer why did they let me keep thinking it was my regular mortgage company after speaking with them on the phone and explaining my situation and that I was searching for a solution and if I knew of XXXX XXXX XXXX  I would have called them and worked something out. I told the lawyer I received my first letter from them XX/XX/XXXX and nowhere on the letter says XXXX XXXX XXXX. Millsap and Singer said I should have known and that they posted it in the paper and not their responsibility what I thought. I then called XXXX XXXX XXXX whom I just found out about and they said my home already sold to a company called XXXX and so I called them and they said they will give me some time to get a VA Loan and then give them {$110000.00} and I can have my home back, I have until XX/XX/XXXX, and then I am a Homeless Veteran. In 23 days of my first letter they take my home, I am beside myself and under extreme stress of being a Homeless Veteran and not being able to take care of my family, everyone will be scattered and they all helped me deal with my injuries. I am having a very difficult time finding a bank to help with a VA Loan because of my damaged low credit score. I have lived here in my home for 18 years with my wife of 34 years and my 2 sons and 9 cats ( I found a cat and turned out she was pregnant ) and so I have my cats who are my best friends and have helped me cope with my injuries and there is no way I can abandon any of them. If I can't find help I will have no choice but to do my best living out of my car because I have to have heat for the winter. I'm pretty depressed and really don't know what to do. I deal with a lot of pain from my combat injuries in XXXX and suffer from severe XXXX and I am really scared. I hope someone can help me.