citi mortgage co. waited for me to finish chapter 13 discharged then sent me a accelerated letter after telling trustee i owed nothing in the rears Nationwide

having tried to fix monie problems back in 2010 i field for chapter 13 protection i paid my rears in bankrupcy on my 1 st and 2 nd mortgage and made my regular payments over 5 years during the bankrupcy i all most defaulted on my 1st note to citi but thank god for tax return i was able to pay my rears back and stop a petion for the 2010 forcloser to start again court kept stay in force ,1 year later i was finaly finishing 5 years of payments 556 .  dollars per month  on top of booth morgages the citi lawyer signed the trustee letter saying all dedt was paid in full having been useing my 15 day grace period with a late fee if not in by 16 th of month during the last couple of months one weak after coming out of chapter 13 dischage i recieved a note on my my regular statement saying i was in acceleration and the total amount was due no cure notice no

exspelnation or accounting of what payments were missed ma law chapter 244 section 35a states they are supose to follow this guide well during my default in bankrupcy my lawyer must have nver read this law because it states i would not incure cost or intreste or lawyer fees which i had  well getting back to the stoery now citi wants me to re write my note at the same fee for 40 years  same 5.3 rate and now i owe the 5,556 dollars and this is one weak after getting out of bankrupcy prior to getting discharge they sent me a harp or refinanse opion but being able to pay my reguarler payment i just kept paying my reg payment mind you my escrows were fine i had to send in a payment for the end of the year they recieved my payment

cert next day with check and sat on it foe 9 days veiw on line showed not for deposit on top of check funds were taken out of my account after paying my layer 450 dollars to look at a dischage note stating on dec 11 account in good standing then recieving a statement  of acceleration on dec 17 delivered on xmas eve  no cure notice only to have my lawyer due a confrence call with citi and the tell me i owe 5,556. and maybe i should try to due there reduced payment program i will have to beg borrow and steal to get monies but i am afraid this wll be a on going battle were is congress on this i live in a no judical forcloser state reading what some other people have gone threw i am amazed there has not been another class action brought against citi