Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SW Linear Investment Group, LLC
State: GA

Complaint narrative:
I have filed 2 previous complaints regarding this company and this lingering issue that has caused mental anguish for both my husband and myself. In my prior complaints I mentioned that this company has foreclosure for a debt they bought from a prior company. We were unaware that the debt was still owed. They sent us a foreclosure notice that had them foreclosing on XX/XX/XXXX. They started advertising the public notice and we reached out to their loss mitigation to try and obtain a modification. We went them all the paperwork. In the meantime, they paused the foreclosure and the public notices stopped after the 2nd week of advertising ( in the state of Georgia, you have to advertise for 4 consecutive weeks before you can legally foreclose ) which means the XX/XX/XXXX was null and void. They immediately responded to our modification request and stated that in order to qualify, we had to send them close to $ XXXX as a down payment ( stating this was half of what we owed in total ) and then the would pay $ XXXX for the next 20 years. When I let them know we were unable to give $ XXXX, they stated I would have to find the financing to pay them from another lender. On XX/XX/XXXX I spoke to them and asked that they answer to discrepancies and miscalculations that I discovered in their paperwork that they sent to me stating what we owed. They did not respond until I reached out to them on XXXX to inquire as to why I did not hear back regarding my questions. The representative did not answer my question, however, continued to threaten to foreclose on my home the next day, if I did not wire them $ XXXX that same day. I explained over and over, that that would be illegal as they pulled the public notice, however, she stated the foreclosure was going to commence if I did not send them the $ XXXX that day. I immediately had a XXXX XXXX and started reaching out to attorneys to help me, but was so distraught that could not even explain clearly what was happening. I asked about a settlement and the agent said they would reduce the amount owed by {$12000.00}. I asked if they could breakdown the balance to show me principal, interest, late fees, attorney fees, etc. and I also continued to ask about the miscalculations and discrepancies I inquired about previously. The agent became very agitated and said that I had been sent the figures by their attorney and that is who I should be speaking to not her. I copied the attorney who replied that there was NOT going to be a foreclosure on our home on the next day, XXXX and that was just a miscommunication. She also stated that she would look into the miscalculations and discrepancies that I was inquiring about and would get back to her client. That was on XX/XX/XXXX. I have reached out to the attorney on XX/XX/XXXX and XX/XX/XXXX and have yet to get a response at all. I have also not had any phone calls, emails or correspondences from Linear XXXX. As I told the attorney in my last correspondence, my husband and I are feeling like sitting ducks waiting to be hit with another foreclosure notice without even getting the opportunity to defend ourselves. This matter is causing insurmountable stress and we are only trying to get the situation handled as best we can. Their practices are underhanded, unfair and abusive and no one should be treated this way. We have inquired about modification, settlement, etc ... and all we want to be sure of is that we actually owe them a debt and what that correct amount is. We have also reached out to the previous lienholder and they state that the principal amount owed on our loan when they sold to Linear XXXX  XXXX, is close to $ XXXX less than what Linear is saying we owe. They have sent that information to me in an email.

Company response to consumer: Untimely response