Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

Our original loan was through XXXX. We went to them to re modify our loan or get the interest lowered and were told by the finance manager in order to prove that we can not pay the mortgage, we had to stop paying for 6 months. Long story short, we did and then they would n't consider re modification due to our credit being " bad '' from not paying our mortgage. 
Our loan was sold to Green Tree servicing and we have been trying unsuccessfully for almost 4 years to work with them to modify our loan. We were told by them that we pre qualified & to fill out the package & get it back to them. The first package I had missed a document and sent expedited it. They said they had n't received any of the documents & sent out another package to fill out. This happened 4 times & each time we sent them certified & we had recieved the post card back with a representative from Green Tree signing & recieving the package. They kept sending us letters saying they had n't recieved the documents & giving us a Case manager to call. When you call the number provided, you do not get that person as this is nothing less than a call center. We have asked to speak with a supervisor on many occasions & they just read the same from the computer the employee did. They had harassed my husband on his cell phone at work repeatedly that we finally changed his number. Then they started harassing me on my phone asking for him. In XXXX it is against the law to talk on your cell phone while driving and he had told them to call him after he got off work. they were calling our house up to XXXX and would start as early as XXXX. On XXXX XXXX I faxed over the entire packet once again from XXXX at a cost of {$38.00}. I have the notice of receipt. They still said they did n't receive it. We have had many auction dates and the next one is next Friday XXXX XXXX, XXXX. We were told to file bankruptcy in order to save our home and it did n't work since they have assessed another {$50000.00} dollars on top of our original loan, so unfortunately the judge had to accept the Trustees documents due to the fact that people are upside down in the housing market & our tax statement shows way less than what we owe so it looks like we do n't have any equity in our home. During the last short sale we found out we have a frivilous lien against our home from XXXX XXXX Atty in Oregon. We included it in our bankruptcy. After contacting the Oregon Bar Assoc, He has been warned several times for his illegal handlings of his case.Now they have assessed more on top of that. Our little XXXX ft XXXX bedroom home is only worth XXXX and Green Tree Servicing has turned down 3 short sale offers, And continues to change our auction date, from month to month. We have literally packed up our entire belongings except our beds and dressers because we have no idea when it will go to auction. I became XXXX in XXXX and this is what started all of this, going from XXXX incomes to XXXX. We have tried to explain this several times and it falls on deaf ears. I have had XXXX since XXXX of XXXX. This has created so much stress on my husband and I that it has caused health issues. I was recently XXXX because of everything we have gone through to save our home. My husband is also XXXX and goes to work, comes home and completely shuts down. We have worked very hard all of our lives, to now living out of boxes not knowing when our home will be auctioned. We have owned this home since XXXX and have put our blood, sweat and tears and are still trying everything we can to save it. Green Tree Servicing has refused to assist in any manner to offer solutions or work with us regarding our home. We just continue to get threatening letters from them that since we have refused to complete all documents or the short sale will not be processed the new auction date is ... ..