Consumer complaint received 2022-08-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

ACCOUNT # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I am writing this hardship letter in hopes that you will assist me with my lender to reconsider a workout plan on my mortgage payment and possibly reduce the principal balance ACCOUNT # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, our lender keeps denying me for any type of workout and refuse to help me keep my home and forcing me to liquidate by stating no options available and stating lender has right to liquidate despite the fact that this is a VA loan and the fact that we were impacted by Covid 19 and the forbearance caused the past due increase but When modification request was in process and or active workout they shouldnt have to file notice of sake but they did and had a sale date for XX/XX/XXXX which senator XXXX XXXX stopped it, all the foreclosure proceedings should been on hold not postponed but they were moving on to sale and liquidate. Sir we know our rights and we understand the mortgage lending rules and XXXX and Carrington violated the rules. I am writing this complaint in hopes that you will assist me to make my lender reconsider a workout plan on my mortgage payment and possibly reduce the principal with a balance reduction and forgiveness on My home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for the following reasons : I was employed with the XXXX XXXX XXXXXXXX for total of 17 years and was XXXX to XXXX for the third time in XXXX for a year. During that time frame, I was XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. ) and 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 XXXX On XXXX XX/XX/XXXX the XXXX XXXX  XXXX me for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, so the army forced me out. I started getting paid XXXX XXXX  but it was not even close to what I was previously making. I was an XXXXXXXX XXXX XXXX XXXX my wife XXXX was making great income in the XXXX XXXX industry, and she was making enough that could have supported 2 families so when I was XXXX from the XXXX my wife XXXX was still able to pay all the bills. She was making enough to pay the entire mortgages. In XXXX as we all know real estate crisis occurred and everyone was losing their homes and the economy start to sink so is my wifes XXXX XXXX XXXX  she lost a lot of XXXX and slowly lost all income and shifted into XXXX XXXX XXXX and we were depending on our savings we had. Later My wife XXXX lost all her income again during the XXXX  in XXXX and lost family members too with XXXX whom we had no money to even bury them and instead cremated which is awful, but we had no resources nor money to give them proper blurrier. I was making nothing basically. So, since XXXX I have known for a while that I had to let my other homes go or have my family take over payments. I tried to sell them, but all my other homes I had were upside down at that time as well, so I lost all my assets in this bad economy. We exhausted our savings account, and my wife XXXX has been struggling to find a job that offers flexible hours to care for me and our kids so she can help me out. I am not ignoring my commitment to you for the money you lent me. I acknowledge this debt and want to resolve it as I gave you, my word. Im trying to put food on my table for my XXXX kids, Wife and sick mom. Making the reduced payments will satisfy my commitment to you and you would receive money owed to you. I please ask you to help me modify my payments please. I intend to keep this house please. I ask you as a XXXX veteran whXXXX XXXX XXXX XXXXXXXX XXXX XXXX for just one little help. Im not asking you too much. I was XXXX from the XXXX because of my XXXX XXXX  I was XXXX XXXX XXXX XXXX XXXX as I was not fit for the job anymore. SO PLEASE GRANT ME THE ASSISTANCE and let me keep my home. Please see attached, am requesting help from our senator XXXX XXXX also requested help with any government grants and or funds available to pay off or reduce this overly charged debt by XXXX ( original lender ). Sincerely, XXXX XXXX