Less than one week remaining under the Making Home Affordable Modification program. Less than 2 weeks remaining before my home is scheduled to be auctioned due to foreclosure. I throw my hands up in despair.
For over 1 year I have consistently tried to modify my home loan with this company. All the while, they have continually and intentionally failed to act in a good faith manner.
Over and over, I painstakingly went out of my way to photocopy the requested documents, and then photocopy updated replacement documents for those outdated by each new passing month, and proceeded to fax and overnight this material to AHMSI. Desperately awaiting some type of feedback, I continually attempted to contact the mortgage holder by telephone and fax. Of the many, many repeated telephone calls, I managed to actually speak with a representative, by comparison, on only a very small percentage of my attempts.
I was falsely advised by the different representatives either that (1) my package was incomplete and, sometimes all and sometimes some, of my documents needed to be re-sent; or (2) my modification was being reviewed by a negotiator. Back and forth, over and over the following cycle continued:
a) I painstakingly went out of my way to photocopy the requested documents;
b) I painstakingly went out of my way to photocopy updated replacement documents for those which had become outdated;
c) I continually faxed and overnighted this material to AHMSI;
d) Weeks passed with no updated modification status;
e) I continually attempted to contact the mortgage holder by telephone and fax;
f) AHMSI repeatedly advised that my package was incomplete, or certain documents were missing, and to, again, re-send my documents;
g) Each time I spoke with one of these representatives, I verified, and then re- verified that all other documents were received and in the possession of the current representative;
h) Despite my attempts to ensure all documents were in the possession of the current representative, there was always yet another missing document;
i) Start cycle again at (a), above.
In the interim, rude, hateful, obnoxious phone calls were received from AHMSI collectors, some, if not most, were from non-Americans presumably out of the country, with barely interpretable English, who demeaned and attempted to intimidate me, all the while threatening me with homelessness and foreclosure.
I lost my job over a year ago and everyday await a telephone call from Walmart or any prospective employer. My unemployment benefits and all extensions will soon expire. A house only a few doors away from mine, in my once $150,000 neighborhood, just sold for $35,000. Needless to say, I am upside down in my loan.
I wait and pray for a miracle, while I wait and pray that someone will stop this fraudulent company and save me. I have sought all other options.