21st Century Mediation LLC THEY STOLED MY MONEY AND I LOST MY HOME Dallas Texas

 If your home was in foreclosure then YOU had already missed enough payments for the CURRENT bank holding your loan to start the foreclosure process. By THAT time it was already too late. People ASSUME that a loan modification is going to some how "save" thier home. The reality is much different!! YOU needed to apply for the loan modification BEFORE you hit foreclosure. Otherwise THEY are trying to get you a "In Distress" kind of loan. It takes awhile due to the FACT that the loan holder MUST agree to modify the loan or in common speech to TAKE LESS MONEY!!!! And if YOU wouldnt take less money then what was owed to YOU then YOU cannot expect that the loan holder is going to do so. YOUR mortgage is OWNED by a bank and those banks trade those loans back and forth. Since YOU were in foreclosure already it makes sense that fannie mae had YOUR loan. THEY have the resorces to do the close out on the house and the ability to SELL said property. YOU were already too late by missing too many payments. There is ZERO help AFTER you reach that point with the exception of MAYBE bankruptcy. A bankruptcy proceeding will only put a HOLD on the forecloser as its STILL considered a asset that YOU control. I myself lost my home due to a bad loan and identity theft so I understand YOUR frustration. But this IS about money. YOU should have been working out a payment plan with the bank that held your loan instead of looking for some third party to help bail you out. It was 6 grand!! You could have had those missed payments put on the backend of your loan and just extended the loan a bit longer. The mistake was NOT PAYING and then trying to find some way to pay them LESS then YOU owed. Right there is where YOU crossed the point of no return. Good luck in the future its JUST a house. YOU will have to get back on top and next time DO NOT use your home as equity!!! Save THAT for a REAL emergency. Like needing a kindney transplant. Im sure the money was nice at first but it went too quick and YOU couldnt keep up. Im betting YOU also assumed that YOU would be able to use some of that money to pay the loan back. But at the interest rate YOU had, there was NO WAY you could have saved yourself, due to POOR PLANNING!!! YOU were paying each month the INTEREST on the loan and only a small portion went to the PRINCIPLE of your loan.

YOU think this is ALL unfair and want "justice". But the reality is this situation was done by you.