Consumer complaint received 2020-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I am XXXX XXXX  employee writing to request assistance with saving my home. I am having a very difficult time with getting a loan modification or forbearance to save my home. The need for mortgage assistance is born out of there being a shortage in my escrow which created an increase by nearly {$950.00} in XXXX of XXXX. Simultaneously, my paycheck was being garnished for medical bills due to a XXXX XXXX to remove a XXXX and subsequently a massive car accident that left me with a XXXX  XXXX. The car incident required me to have additional XXXX  to prevent XXXX. 
The change in mortgage payment along with the financial stress partially due to garnishments caused me to seek modification through a law firm. I met with the law firm to discuss getting a loan modification as well as potentially filing bankruptcy. The meeting resulted in the lawyers communicating that the first course was to file modification paperwork, to obtain a modification to get my mortgage payment back to its original monthly payment. After the modification was complete, I was to file a Chapter XXXX  bankruptcy to address the medical bill issues. 
Due to the garnishments and normal living expenses the fee for the modification took longer than anticipated. I was instructed to not worry about paying the mortgage due to realistically not being afford the monthly payment and once the modification is completed it would nullify the mortgage nonpayment. The modification application was formally submitted in late XXXX. The mortgage company denied the initial modification in XXXX of XXXX. The attorneys begin to discuss filling the Chapter XXXX first then refilling the modification. 
In early XXXX I received a notice of intent of foreclosure by the mortgage company on XX/XX/XXXX. The attorneys filled the chapter XXXX  on XX/XX/XXXX avert the foreclosure. In the meantime, the once the Chapter XXXX   was filled the mortgage company reached out to the attorney handling the modification and informed him to refill the modification paperwork. It was filled and denied in late XXXX. 

Once the mortgage company denied the modification in XX/XX/XXXX and the lawyers that were assisting me basically abandoned me. Simply put they left me out to dry. The mortgage company which is Carrington is making it difficult for me to save my house. As a result of the lawyer abandonment regarding my modification and bankruptcy I sought another attorney to help with finalizing the terms and conditions for my Chapter XXXX  bankruptcy. I simply need help with saving my home. I had secure to another attorney and have been made aware of the numerous mistakes my initial attorneys made with my case. The most egregious being if I did not receive a modification, I would willfully relinquish my home. This was never communicated to me because I would have NEVER agreed to willfully relinquish my home under any circumstances. 
My new attorney has put together a trustee payment plan that will address the arrears caused by not paying the mortgage but advised that a modification or forbearance if the only sure mechanism to once and for all ensure this nightmare is fully behind me and my family. 
To really help comprehend the importance of my determination or desire to save my house. This house has been the central point of my survival and existence over the last 13 years. I was divorced when I purchased it in XXXX. This house was a critical part of my recovery from losing my family, marriage, XXXX  XXXX   and XXXX XXXX. In this house I learned how to walk, talk and function all over again about 6 years ago, which took 2 years to fully recover. So, this house means far more than anyone can imagine. I was re-married in this house. 

*Note I was just informed that even though my Chapter XXXX  plan was accepted recently which includes the bulk of the outstanding mortgage payments the mortgage company still filed asking the court for a waiver on the stay so they can foreclose on my house