Consumer complaint received 2022-05-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

My home was going into foreclosure in XXXX so I hired XXXX XXXX XXXX XXXX ( XXXX XXXX ) to assist me with securing a loan modification to try to save the home. Upon filing modification paperwork the home was sold to another buyer. We started the loan modification again with this second company. The home was sold again. Each time modification was filed, the home was sold without the paperwork following it. In XXXX they had a foreclosure sale even though I had loan modification paperwork in ; they rescinded the foreclosure sale because I had not been treated fairly ( per XXXX XXXX XXXX ) but they failed to put the home back in my name ; it was in the name of XXXX Bank. I was again allowed to file modification but only if I agreed that I would not go after the previous two buyers of the home. The attorney for the bank, XXXX XXXX ( XXXX, XXXX ) had also been the attorney for the previous buyers. Long story short, I lost my job and was only getting unemployment when I filed for the modification. I'm not sure what happened at this point because I wasn't getting notified or had not received any paperwork from my attorney pertaining to ALL that was going on with my situation. In XXXX of XXXX, I was told my house would be in a foreclosure sale the next day and the only way to save the home was to file bankruptcy which I did not want to file because it was not my debt ; the debt was in the name of my deceased husband and my name was not on the mortgage. Also, I did not have any debt to file bankruptcy for ; I had been working on my credit feverishly to obtain a good credit score to ensure I was able to purchase the home I lived in for 15 years. XXXX XXXX XXXX referred me to her partner, XXXX XXXX because she said she didnt do bankruptcy cases. 

The bankruptcy was dismissed because XXXX XXXX told the court that the plan did not include the arrearage amount. My husband purchased the home in XXXX and had paid until his death in XXXX and it was like I was starting all over again because the bank wanted {$110000.00} in arrearage and {$180000.00} mortgage ongoing which this house is not worth. Had I been granted loan modification when I signed up for it, I would be long down XXXX XXXX on paying the modification. I feel as if my rights have been violated without ever being able to secure a modification to keep my home. I have jumped through all types of hoops trying to keep this house. My husband purchased this home for {$100000.00} in XXXX and how can the prices be so inflated now. My attorney advised XXXX XXXX that a foreclosure would be a violation of my rights and the said his client told him to go forward with the sale and that's what he was going to do. This has lead me to some health issues like deep XXXX, XXXX XXXX XXXX and being unable to eat, sleep and function as a normal person always in fear that someone be out to evict me. The mortgage company, at one point, sent someone out here to offer me {$4000.00} to leave the property and they knew I had an attorney so I gave the guy my attorney 's card and told them to talk to my attorney. 

I have paid my attorney well over {$20000.00} and I am yet to receive a statement of account which I have asked for several times. I don't even have my case files from my attorney which I feel I deserve. 

This has put me in a compromising position as I was sent a ten days to vacate letter XX/XX/XXXX.