Consumer complaint received 2016-03-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NC)

My mortgage issues began back in 2010. XXXX lost his job and all financial obligations fell on me. My the husband and I decided to file bankruptcy to fix our financial situation. A year later we were divorcing and I came out of the bankruptcy filing. My ex husband continued with filing Chp XXXX. Once we divorced, my husband decided that he did not want to leave our home, so I left. My husbands attorney advised him not to make house payments b/c he had discovered that our loan was apart of the XXXX financial situation. So my ex husband continued to stay in the home and not make payments. Fast forward XXXX 3 years, my ex husband decides that he no longer wants the responsibility of the home and decides to give me back ownership of the home. Now, I try to decide how to pick up the pieces to pay my mortgage so I can keep my home. I contact Specialized Loan Services, LLC because they are now the servicer for my home loan. I contact them and try to figure out if I can refinance my home. They inform I ca n't refinance the loan b/c it 's in default. So I inquire what I need to do to make payments based on my income alone. They tell me to get a Quit Claim Deed showing that my husband has released his rights to the home. I get this done per their request and send a copy to them. They then have me complete a modification packet to see if I qualify for a loan modification. I do qualify and the send me a 3 month trial payment period. I pay the loan for 3 months and they send me an updated packet with my loan terms and new payment. I begin to make payments in the amount of XXXX dollars. This is great in my eyes and Iw as so excited to see that I was approved for a HARP loan to keep my home. Months later I receive a letter stating that my loan mod has been denied because they needed my ex-husbands signature. Not sure why at this point but I meet with him to get him to complete the paperwork showing he has filed bankruptcy and his signature is provided. Once again I submit this information to SLS. They confirm that this is not enough and now wants me to get a new divorce decree showing that the judge has now given me ownership of the home. I try to get the divorce decree amended. I have the ex husband sign the documents and get them notarized to take downtown. I ca n't get a new divorce decree. I have now hired and attorney b/c SLS has now put my home in foreclosure status. I attend the first court date and they extend my hearing for sixty days. I am almost 9 months XXXX at this time and when I return after the sixty day time period, my attorney misses the court appearance due to sickness and follows up with SLS attorney, XXXX XXXX XXXX. They confirmed they would give me a new modification and then later that night came back and said no and then posted a sale date. My attorney contested it and then they posted a bond hearing of XXXX dollars that I did n't think was fair and I did n't pay it so they proceeded with the sale date. They then gave an extension on the sale date and extended it by 2wks. I feel like this entire process is mortgage fraud. The bank and the servicer are clearly trying to make money. This has affected my credit in every way. I now have almost a XXXX dollar credit status on my credit report for late fees on a XXXX dollar loan, which is crazy. I would have loved to been able to keep my home and make payments. This company has so many complaints online of how they have messed up people 's loan, foreclosed on their homes and taken their money. I am a person who is willing to pay their debt and I feel like I was totally taken advantage of in this situation. I have bad credit and no home, so how can I now mover forward to rebuild because I will now have a foreclosure on my credit report. Please help! I want my house back.