Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

During my short sale closing on XX/XX/XXXX the following was discovered : I informed SPS, the selling and buying agents and the closing attorney that the Georgia Tax liens and the IRS liens where not addressed in the closing documents. I believe that the closing attorney and real estate agents failed to perform and speak to the State of Georgia and IRS directly as I requested prior to the sell. The agents exploited administrative deficiency at the tax authority to show less tax due on liens and obligation. SPS owes the State of Georgia {$32000.00}. The agents and attorney revealed several short comings at closing SPS had not provided funds for home repairs ( XXXX ) the sale. SPS was deficient on paying taxes owed to the IRS and/or the State of Georgia ( I had contacted SPS of this deficiency prior to the sale ). The sale was delayed for hours due to the reduction of payments to the State of Georgia Department of Revenue. This was the result of the State retaining my XXXX tax refund of {$1800.00} instead of filing sufficient liens to notify SPS of all tax liabilities. The real estate agents had created a surplus payment for the seller for the buyer, which was used to pay the buyer interest on a Credit Union Mortgage. All was said to be approved by SPS. I am requesting that SPS pay the State of Georgia the complete tax bill forward prior to the closing immediate and reclaim the payment of the buyer interest and pay my home repairs. Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, Director Of Tax Service GEORGIA DEPARTMENT OF REVENUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Response To Letter : XXXX I have completed the required XXXX and XXXX tax returns for the State of Georgia. I am in the process of selling my home for a loss {$400000.00}. I have negotiated loss mitigation in my short sell. The funds will be forwarded to the Department of Revenue in good faith : Totaled Owed {$43.00}, 326 Penalties 8,728 Interest 12,715 I am requesting the Georgia Department of Revenue waive  the interest and penalties to me as the compromise. I continue to be XXXX and unable to work after the documented medical challenges. I require funds for my XXXX relocation after losing my home. In this process I will wire funds in good faith to the Department of Revenues. Sincerely, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX Department of Revenue XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX/fax Background I have had three XXXX XXXX  in the past three years I experience a XXXX XXXX on XX/XX/XXXX. I did not work in XXXX. I was in the hospital or therapy for nine months I am not working now and need my XXXX to pay rent. Have lived and worked in XXXX XXXX from XXXX to XX/XX/XXXX Income reported on XXXX in the past has been discontinued. This income was the fulfillment of prior contracts. My client did not want to abandon me in the hospital. This was charity and royalties. The funds were used for my hospital bills and living expense exceeding {$1.00} million. I am in in the process of moving to a care facility or senior condo. I have submitted my medical records and doctors contacts previously Background Please allow me to introduce myself. My name is XXXX XXXX and I a XXXX. I have had their XXXX XXXX in the past three years. I previously sent you information on those XXXX. I do not work and can not work. I have sold my writings and research, which are my life possessions and savings. I have no real financial resources. Please review a sample of a children story. This has allowed me to pay medical bills and living expenses and my XXXX kids college tuition. I have exhausted these resources ( past writings, research etc. ) and have had difficulty writing from my bed since an oxygen loss during a XXXX XXXX XX/XX/XXXX. My doctors say I XXXX XX/XX/XXXX and was lucky that my wife found me. Again, on XX/XX/XXXX I had a XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX for quite some time and has had an unfavorable impact on me with respect to XXXX XXXX  I was in the hospitalize most of XXXX and people continued to pay me income out of charity and not work. They reported the incomes as historically as a XXXX form. I have been told that this was wrong and that I sold have created a trust or nonprofit for the writings and research and the payments. I plan to restate these taxes and create a trust. This has been charity not work. They did not want to be accused of taking advantage of my illness. Further, I lived and worked in XXXX XXXX from XXXX Please review the hospital stay and therapy time in XXXX. I previously mailed a {$1.00} XXXX dollar bill for my stay. My XXXX XXXX rate is at 20 %, which does not allow me to XXXX XXXX XXXX XXXX. I have not traveled into to an office to work since XXXX. I was admitted to hospitals four times in XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX I am prone to XXXX, XXXX XXXX and have XXXX XXXX. When I first became ill in about XXXX I did not have heath insurance with an employer. Many friends paid me funds in order for me to keep my home and pay my medical bills. One was XXXX XXXX XXXX ( XXXX ), which has since gone out of business, gave a severance package in a XXXX. In turn gave the company my client list and investment research and writings in return. I have XXXX from XXXX, a company based in Philadelphias for my past peers and research and my client network. I have not been in an office since XXXX. They like it this way for their records and they dont want to just give me a gift. I report it to the IRS because I dont want to get in trouble. I have never paid taxes on it. I have submitted an offer compromise and request to reclassify these funds in an amended return for prior years. I was in the hospital or home bed for most of XXXX and people continued to give me XXXX. In fact my condition has changed since my first XXXX claim. This activity has been discontinued since my recent XX/XX/XXXX XXXX. I have been under doctors order not to travel and work since XXXX I am in the process of selling my home in order to avoid foreclosure and moving to an apartment friendly to XXXX. I have no other further income in the future. I have sold all of my research, data network, art and furniture. The only income that I have is the XXXX. I apologize for this confusion. I have compacted the IRS in order to reclassify these funds as charity and gifts due to hospitalization. I plan to pay the taxes from the sell of my home and move to a senior apartment by XXXX. I need my XXXX to qualify because they agree that this is not income. I realize that this is a unique case. I have no savings. I have had to sell all property to survive. As opposed to challenging my XXXX, I would like to learn how to get help to pay for my XXXX medications and it would help if I was refunded for paying for medical insurance that I have not used and did not agree to. Sincerely, XXXX XXXX, XXXX XXXX. Below are my medical XXXX contacts and attached is additional info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Primary Physician XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX