Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
In XXXX XXXX, my husband and I did a refi with XXXX XXXX XXXX, at which time XXXX transferred, our " XXXX '' mortgage to Green Tree XXXX, and XXXX closed that loan. We have always paid our obligations on time. I, unfortunately XXXX in XXXX of XXXX, which to find out in May needed a XXXX, I had the XXXX in XXXX of XXXX, that failed leaving me unemployed and XXXX. I called GT to make a payment because I handle our family obligations, and since having the XXXX it was going to be late. Customer service put me in touch with an accounts manager to see if I could have fees waived, since we always paid on time. XXXX XXXX @ GT was my account manager, XXXX said if I thought having the next payment or XXXX put into a deferment, would that help us out since I was n't recovering as expected. I did not know this was even an option. XXXX advised me that I could email my information in to her because I was unable to drive. Now this was to help me with XX/XX/XXXX payments. I did everything XXXX requested. She then went away and no one in the office would help, including her supervisor. I spoke with her XXXX day and she was so rude said only XXXX could handle this. I continued to reach out to XXXX and started getting the feeling I was getting the run around so I was told I should make the next payment, because we would have to resubmit because the pay stubs from my husband were not current and we 'd try to submit for XX/XX/XXXX, again doing this all through email as I could not fax the information. I asked XXXX on numerous occasions could it be read, because that was another thing XXXX was telling me as a stall tactic I am certain of now, that it was not legible. Finally, XXXX XXXX says they have all the information updated pay stubs, copies of necessary paper work to send out to be approved. I tried calling XXXX several times to make sure the documents were in order. She emails me to say XXXX says the documents are not legible. XXXX? they are no longer my lender, Now XXXX did not attempt to call to call me XXXX or XXXX times a day like she did when she was concerned with my " not making a payment '' but did not call to tell me about the " not legible '' documentation. In the final hours I had compiled all the information needed to send to XXXX and had my husband drove me to a XXXX to fax and I said please call me this is time sensitive. All this to tell me I was denied the deferment. Which lead my husband and I to make a very serious decision to file for bankruptcy, my XXXX income was going to end, and medical bills were piling up as well. We 've NEVER been delinquent with any of our debt, we did this to " save our home ''. It was not easy struggling to pay every bill on time even with XXXX incomes now being " XXXX '' from a failed XXXX, I have NEVER returned to work from the original XXXX, so we go to XXXX income with a family of XXXX living in this home. XXXX of XXXX I believe was our XXXX payment we filed a chap XXXX in XXXX of XXXX which converted to a chap XXXX in XXXX due to loss of income, XXXX still continued to contact me even after being notified that we filed bankruptcy. 
Bankruptcy closed XXXX XXXX, XXXX, one week later to the date a letter dated XXXX XXXX, XXXX Green Tree sends a letter certified and my regular mail Letter of New Jersey Default and Intent to Foreclose. With fees listed, very contradictory, stating the " if I filed bankruptcy '', not attempt to collect a debt, but lists payments that have n't been made during this time frame of XXXX, and we are aware because we filed bankruptcy. Bankruptcy code XXXX, creditors may not take certain actions for at least 30 days. This is what the GT practices when a middle class family is faced with a devistating situation. We tried to be proactive and work with GT prior to being forced into a bankruptcy, this was not an easy decision.

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