Consumer complaint received 2017-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I am in foreclosure on my mortgage ( of XXXX yrs ), with an auction date of XX/XX/XXXX. I fell behind in XX/XX/XXXX due to increased expenses. The last payment I made was XX/XX/XXXX. I realized I was n't getting back on track right away, so I contacted my mortgage company in XX/XX/XXXX. I sent them a loan modification application in XX/XX/XXXX, per their advise. I continued to receive my monthly statements while waiting for an answer to my application, but I was n't getting any response. 
In XX/XX/XXXX, to my surprise, I received a letter from my mortgage company 's attorney with an auction date to sell my house on XX/XX/XXXX, only XXXX weeks away! I immediately called my mortgage company, and was told they never received the application I sent them in XX/XX/XXXX, and advised me to resubmit it, stating that once an application is submitted the foreclosure process is put on hold. True to their word, the XX/XX/XXXX auction date was cancelled in XX/XX/XXXX. 
By this time I had secured a second job, assuring them I had enough income to make my monthly payments, starting immediately ( XX/XX/XXXX ). I asked about possible forbearance, or adding the arrears to the end of the loan, and I was told about their " repayment plan ''. This plan would allow me to pay half of my passed due payments ( including their attorney 's fees the total was roughly {$4000.00} ), and have the other half put back into the loan. My XXXX and I discussed ways for me to get the down payment ( {$2000.00} ) from family, friends, ect. I told my her I would get back to her as soon as I had the funds. 
Within XXXX weeks ( mid-late XX/XX/XXXX ), I had the down payment we discussed that was required for the repayment plan. However, this time I was told it was too late for their " repayment program '', that there was a certain deadline that I had to have the down payment submitted. I WAS NOT INFORMED OF ANY DEADLINE. 
Now that I had obviously missed any chance of getting the repayment plan, I was told I would have to come up with the NEW total arrears and attorney 's fees ( it had been accruing and was now closer to {$5500.00} )! 
Meanwhile, ( now into late XX/XX/XXXX ) I was being asked a couple times a week for more information, paperwork, income and expense information, etc. to complete the modification application I had sent in months ago. I quickly sent in the same documents time and time again. I also was also keeping in touch with my XXXX ( calling and emailing numerous times ) about the status of my application, but was told time after time they needed more information for their underwriters to review it. 
While I was diligently sending them everything they continued to request, I received another letter, near the end of XX/XX/XXXX, from their attorney with a new date for my house to be auctioned, XX/XX/XXXX! 
I do not understand how they could go back into the foreclosure process while I had submitted more than XXXX modification application. 
I was informed by my XXXX last Thursday, XX/XX/XXXX, that I could expect to have an answer as to whether or not my modification application would be approved by the end of XX/XX/XXXX ( only 3 days from now ), leaving just 7 days before the auction date. 
I have looked into every other option I could hunt down to try to save my house, to no avail. The only option I can see available to me, if I am not approved, is filing for bankruptcy. 

I simply want to keep my house. I have given my mortgage company proof of income ( numerous times ) showing that I can afford the monthly payments with no problems. I have even sent personal budget spreadsheets to back it up.