Consumer complaint received 2016-04-21
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SN SERVICING CORPORATION (GA)

This urgent plea is to get justice for my home. I am a XXXX year old, XXXX year retiree from the XXXX who has been constantly threatened for my home since 2006, when XXXX went bankrupt and signed the deed to my home over to me. Since that time I have been switched from XXXX XXXX XXXX to XXXX to XXXX to XXXX to SN Servicing every year paying from {$2700.00} a month to {$1000.00}. I honestly believed that my house was deeded over to me in the XXXX XXXX bankruptcy and I made a refinance on a home that was paid off and in my name. ( That was XXXX XXXX and they immediately went out of business ). After several years of showing evidence to lawyers and judges and paying insurmountable court costs, I have grown weary. Especially when I have spent over $ XXXX in attorney fees to succumb to a loan modification which made me pay court costs to the loan servicers of over $ XXXX, with a balloon of $ XXXX tacked on the end of the loan ( which will come at a time when I will probably be unable to acquire a loan for that amount ). Not even a year after the loan modification was granted, the Servicer, XXXX XXXX ), gave me less than a month to pay over $ XXXX because of an increase in my property value which made my homeowners insurance go up. I paid XXXX the money even though I had no forewarning to enable me to save up the payment, ( which I sacrificed out of my medical bills - you see, I am XXXX ), and they still turned me over to the credit bureau as having not paying my mortgage - which I did pay! And, to top that off, I had to increase my current monthly payment by almost a XXXX when the XXXX did not give me an increase on the cost of living. In fact, my income was decreased by almost XXXX.! - see attached. These people have done everything you could imagine to chisel money out of me and to get me to move out of my house so that I would be desolate, in spite of the fact that they swap me from Servicer to Servicer only to tangle the web and complicate things that lead to the fact that they really did n't own my home in the first place. 
Not only that but to add insult to injury, I am have been relentlessly denied from getting a decent loan modification. I was denied twice with XXXX and now also with HAMP - Making home affordable, even after my income got cut by almost $ XXXX, ( XXXX XXXX dollars per week ). See attached. 
I 'm begging you for help before I become another statistic of a XXXX woman, who worked and served all her life for the XXXX and when it came time for the XXXX to come to her aide, she lost her house due to legalized corruption. Please contact me for any reason. If you do not help me, my whole life 's work will have been literally for nothing. The reason why I believe that they keep refusing me getting a Making Home Affordable loan is because they do n't have the paperwork to prove that they legitimately own the house in the first place. All they got is a judge from XXXX Georgia, XXXX XXXX, who is a well known XXXX XXXX owner to write a fake deed which the records will prove that what I am saying is true. Please solve my situation by deeming me my house backto me or make it possible for me to get a Making Home Affordable loan before it 's too late. Respectfully, XXXX XXXX XXXX