Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Im truly sorry to hear about your health challenges and the financial strain theyve caused. XXXX XXXX  XXXX can be incredibly difficult to manage, especially when it affects your ability to work and keep up with mortgage payments. Its essential to prioritize your health and well-being during this time. 

Here are some steps you might consider taking : Contact Your Mortgage Servicer : Reach out to your mortgage servicer as soon as possible. Explain your situation, including your health condition and recent XXXX They may be able to offer temporary relief or work out a modified payment plan. 
Explore Loan Modification Options : Forbearance : If youre temporarily unable to make payments, ask about forbearance. This allows you to pause or reduce payments for a specific period. 
Loan Modification : In some cases, lenders can modify your loan terms to make payments more manageable. This could involve extending the loan term, lowering the interest rate, or adjusting the monthly payment. 
Seek Legal Assistance : Consider consulting with a housing counselor or an attorney who specializes in foreclosure prevention. They can guide you through available options and advocate on your behalf. 
Health and Well-Being First : Remember that your health is the top priority. Stress and financial worries can exacerbate health conditions. Take care of yourself, and seek medical attention promptly when needed. 
Community Resources : Look into local resources, charities, or nonprofit organizations that provide assistance to homeowners facing financial hardship. They may offer grants, counseling, or emergency funds. 
Avoid Scams : Be cautious of anyone promising quick fixes or asking for upfront fees. Unfortunately, there are scams targeting vulnerable homeowners. Stick to reputable sources and organizations. 
Remember, youre not alone in this. Many people face similar challenges, and there are resources available to help. Reach out to professionals who can guide you through the process and explore all available options. Wishing you strength and resilience during this difficult time. This is an urgent message to my mortgage company : The purpose of this letter is to let SPS know that I returned to the XXXX XXXX XXXX XXXX XXXXXXXX, in addition to let you know that I do not have anyone to take care of my finances for me, no third party or power of attorneyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This I feel should explain in detail why I have been late on all of my payments ; I have spent most of XXXX and XXXX in the XXXX  and have no one to take care of any of my finances. 
My wife can not not handle the finances, she suffered a massive XXXX, she can not XXXX XXXX XXXX or do anything, it's been tough while I am in the XXXX 
We ae asking our creditors to be patience with us, I will take care of our bills one at a time because our funds our limited, mainly due to medical and prescription costs that have increased significantly. 
I am unable to make any payments on these accounts in a timely manner due to lack of cash flow because of losing my job, the prescriptions I take are very expensive as the doctors have me on a medication remedy. 
Since I had no one to cover for me while I remain back into the XXXX I am asking for patience and for my creditors to work with me to see if we can set up some kind of payment arrangement. 
I am asking for help from all of you, please work with me. 
Please note that due to serious breathing issues, I am unable to talk on the phone about these outstanding bills, the XXXX XXXXXXXX XXXX has taken over my life. 
Below is a history of my health situation which explains why I am late on my payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX