PHH Mortgage Services ERA Mortgage They Lied and stared foreclosure and refused to accept payments Mt. Laurel, New Jersey

My Issue with this company has been on going for approx. 5 years we have lived here for 7 years... We also had another home that we sold that was financed with PHH as well we lived there for appox 2 1/2 years and had automatic payments and never had any issues so we were loyal customers to this company and for approx. 5 years and two different houses we never even had a late payment.... However all of that changed approx. 2009 and it is a very long heartbreaking story... we are still in our home and have fault tooth and nail to keep it even though they have done their best to make it impossible for us, but somehow by the grace of God we are still here...

Our problem began when I lost my job due to the poor economy and recession. I called them to stop the automatic payments and informed them of our situation. They were very pleasant and and informed me not to worry there were programs and that they would work with us. I was to receive a packet we filled it out and sent it back talked with them on a weekly basis I had names and phone numbers with ext numbers ect... that I had corresponded with we did everything they said and follow their instructions precisely and then out of the blue the next thing we know I get foreclosure papers in the mail. I was frantic called them immediately and they had pretended that they had never spoken to me ever before informed me that my name was not on the loan and completely refused to help me at all. Something that I hadn't known was that the state that we live in if you are married both have to sign the papers even if both names are not on the load itself. So our loan was only in my husbands name even though I signed every paper he did.

We were forced into a load modification had to hire an attorney that worked for a company that claimed that they could help us to really make this long story short we paid them 3,000.00 to stop the foreclosure process they added 30,000.00 to our loan. Our payment went up and we are now paying approx 1650.00 a month for our mortgage.... They refused to help me in anyway we owe more on our house now than we did 7years ago when we bought it. Its been a nightmare!!! They have us trapped I have tried and tried to get someone anyone to help us or to refinance with a lower rate  Ive applied for every program with absolutely no luck and unfortunately do to the issues and the laws no one can or will help us.

We struggle everyday and since we are considered middle class we do not qualify for any programs. Its been a long 5 years I am still jobless to this day and somehow we are scraping by even having to count pennies to feed my kids at times. This company has done everything in their power to take our house away and even though its been really hard somehow we have managed to make it work. Everything we have is in this houseve our life savings everything!!! I just keep telling myself that losing it is not an option!!! Stay away from this company do your homework when it comes to mortgage companies do not trust just anyone one. I have left out a lot of all the ups and downs to say the lease we have been though hell with this company but pray that someone anyone will benefit from our mistakes.... And please if anyone can help us we would so appreciate it God Bless....