Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
A forbearance was approved, but due to legal backlog I have not been able to rectify the situation that occurred XX/XX/2022. So now I am requesting for Forbearance assistance during ongoing legal matters. This is a VA Home Loan. Primary Residence XXXX  Kids XXXX  dad, XXXX due to XXXX XXXX  to my XXXX. ( Evidence Available ) this was my Recent email to my POC. Im hoping this time he returns my calls.or emails. Dear XXXX XXXX, I hope this email finds you well. I am writing to discuss a matter regarding my mortgage account with Shell Point Mortgage Company. I understand that you are the designated contact person in the Forbearance Department, and I would appreciate your assistance in exploring potential options for temporary payment arrangements while I navigate some legal issues affecting my business. First and foremost, I would like to express my gratitude for the support and understanding your company has shown during this challenging time. As you may be aware, my family is currently facing legal proceedings that require my undivided attention and financial resources. While I work diligently to address these matters, I am concerned about the impact they may have on my ability to make regular mortgage payments. With this in mind, I kindly request your guidance and consideration in exploring the possibility of a forbearance agreement. A temporary forbearance arrangement would provide me with some relief by allowing a suspension or reduction of mortgage payments for a specific period. This would alleviate the immediate financial strain on my business, ensuring that I can meet my other financial obligations and continue working towards resolving the legal issues promptly. I assure you that I am committed to fulfilling my mortgage obligations, and I aim to resume regular payments as soon as the circumstances permit. However, the current legal proceedings have created an unforeseen disruption to my daily operations, necessitating temporary assistance to maintain financial stability. I kindly ask that you review my case and assess the feasibility of a forbearance arrangement based on the specific circumstances I have outlined. I am open to discussing any terms or conditions that may be required for such an agreement, including a revised payment schedule or other mutually beneficial solutions. I understand the importance of maintaining open communication and transparency during this process. Therefore, I would greatly appreciate it if you could provide me with any necessary documentation or forms to formally request a forbearance agreement. Additionally, I would be grateful for any guidance or additional information you can provide to assist me in completing the required steps promptly. Thank you for your attention to this matter. I sincerely believe that a forbearance agreement would enable me to fulfill my obligations while navigating these legal challenges. I eagerly await your response and look forward to working together towards a mutually agreeable solution. Please feel free to contact me at your earliest convenience via email at XXXX or by phone at XXXX to discuss any further details or to request any additional information. Thank you for your time and consideration. Yours sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation