Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

We are facing foreclosure on our home we have owned for almost 25 years because we were negatively impacted by XXXX. Our mortgage lender Specialized Loan Servicing is aware of our struggles and they have refused to offer us a chance to resolve the past due payments and is demanding that we reinstate our past payments. Our hardship has been fixed and we have the ability to make the regular payments but need help with the past due amount of $ XXXX. When we call their agents to ask for help since we have a XXXX mortgage loan and our hardship was XXXX related and they tell us sorry, nothing we can do, you need to pay us off the late payments or we are going to foreclose. We got a letter from their Attorney a month ago and they said that we need to pay back the whole loan which is over {$100000.00}. This is wrong! Our mortgage loan is delinquent due to economic hardship caused by the XXXX pandemic. I have tried to resolve this matter with XXXX for close to one year but have run into brick walls as they have refused to play by the rules or provide our family with access to assistance programs. Our hardship is resolved, my husband is back working full time and we have had a change in financial circumstances and are able to make our regular payment, the issue is the past due payments that are continuing to accrue and push us into foreclosure. 

My husband was working as an operations manager for a freight company but due to XXXX his hours were reduced. We applied for and were approved for a loan modification in late XXXX and made the trial payments. However in XX/XX/XXXX my husband was laid off from his job. We continued to make payments even though we were in dire financial straits. My husband was able to find a new job a few months later but took a {$25000.00} per year pay cut. My husband later became sick with XXXX and missed about a month of work from that. We also have an autistic son XXXX who is non-verbal. During the pandemic lockdown he was very upset about the change in routine and Zoom school and at times he became very aggressive and frustrated and XXXX would need to take time off from work to be at home to help me care for him. We were struggling but always managed to make the next months payment. We called in to ask if we could be considered for any programs since my husband had lost his job right when we got the last modification and his new job paid much less and he missed a lot of time due to XXXX. Their agents said there were no options available. The last payment we made was XX/XX/XXXX. We did not have the funds to pay in XXXX, which worried us but we thought we could catch up. Then were received a notice of intent to accelerate and now they refuse to accept our mortgage payment and have referred us to law firm for foreclosure. I am surprised that XXXX can get away with this and treat struggling homeowners like this. We have had a significant change in financial circumstances. XXXX is working full time and now my adult son XXXX who lives with us is also working full time and contributing towards the household which helps to offset my husband 's pay cut, in addition to XXXX benefits we receive for XXXX. We have the ability to pay and our hardship has been resolved. The issue is that XXXX is refusing to work with us or provide access to programs to address the past due amount and that