EMC Mortgage Applied Principal Payments to Escrow then emptied escrow via Fraudulent Insurance Claim Irving Texas

This sounds like the insurance company wasn't notified that your loan was sold.. There is specific wording that "MUST BE USED" to make sure the insurance company gets paid...It is a specific clause...At the moment it escapes me, but you can contact your insurance company and ask them about the clause...They should be able to resite it quickly as I used too.

With this, I'm not surprised phone calls weren't made first to find out the situation before hiring a foreclosure attorney...Hopefully, you received the right advise as to how to fix it and weren't charged...If not you're out that money...When Lender Placed/Forced Coverage happens it means someone wasn't notified correctly and this can be taken care of by picking up the phone and making a few calls.

Remember this, it doesn't just happen when loans are sold...It can happen when a new policy is written, when the policy expires, amounts change, carrier changes within the same insurance company.

There are a lot of behind the scenes stuff there for this to happen...Just remember to read your mortgage statements when you get them in the mail and don't set them aside to read later...And next time, pick up the phone and make phone calls first.

Here is probably what occurred for you. Your insurance company either, 1. did not update it's mortgagee clause or 2. Never sent out an invoice to your lender.

Everyone should be aware of that they are still responsible to making sure that an invoice gets sent to there mortgage company and that there insurance does have the right information for the company you are with.

In your situation, nothing was done by you, so therefore the mortgage company has a right and responsibility to put on a force-placed policy without shopping for the best rates.
This certaintely made a deficit on your escrow and they should have sent you a notice of your new payment. I am sure that they would also send you a statement, also stating that they need a copy of your home owners insurance. They probably also kept a copy for themselves (which means that an attorney can't help, if they have proof of written documentation, it just means you screwed yourself).

There is actually a simple way to help you, which is contact the mortgage company provide the proof of insurance and they will adjust the premium being paid. Of course, since you let it get to this point, it is your responsibility to pay the additional payments until they have adjusted it.
I just did this with a change in my personal insurance and also did it for many of my borrowers.

You allowing it to go on to where your credit is now down the tubes from a foreclosure and you are losing your home is really the sad thing.
The best advice is next time, read your mail from your mortgage company, don't be to quick to jump to conclusions, and last try to be nice when you talk to customer service rep. They will be more of a help if there not getting yelled at.

Here is probably what occurred for you. Your insurance company either, 1. did not update it's mortgagee clause or 2. Never sent out an invoice to your lender.

Everyone should be aware of that they are still responsible to making sure that an invoice gets sent to there mortgage company and that there insurance does have the right information for the company you are with.

In your situation, nothing was done by you, so therefore the mortgage company has a right and responsibility to put on a force-placed policy without shopping for the best rates.
This certaintely made a deficit on your escrow and they should have sent you a notice of your new payment. I am sure that they would also send you a statement, also stating that they need a copy of your home owners insurance. They probably also kept a copy for themselves (which means that an attorney can't help, if they have proof of written documentation, it just means you screwed yourself).

There is actually a simple way to help you, which is contact the mortgage company provide the proof of insurance and they will adjust the premium being paid. Of course, since you let it get to this point, it is your responsibility to pay the additional payments until they have adjusted it.
I just did this with a change in my personal insurance and also did it for many of my borrowers.

You allowing it to go on to where your credit is now down the tubes from a foreclosure and you are losing your home is really the sad thing.
The best advice is next time, read your mail from your mortgage company, don't be to quick to jump to conclusions, and last try to be nice when you talk to customer service rep. They will be more of a help if there not getting yelled at.

Here is probably what occurred for you. Your insurance company either, 1. did not update it's mortgagee clause or 2. Never sent out an invoice to your lender.

Everyone should be aware of that they are still responsible to making sure that an invoice gets sent to there mortgage company and that there insurance does have the right information for the company you are with.

In your situation, nothing was done by you, so therefore the mortgage company has a right and responsibility to put on a force-placed policy without shopping for the best rates.
This certaintely made a deficit on your escrow and they should have sent you a notice of your new payment. I am sure that they would also send you a statement, also stating that they need a copy of your home owners insurance. They probably also kept a copy for themselves (which means that an attorney can't help, if they have proof of written documentation, it just means you screwed yourself).

There is actually a simple way to help you, which is contact the mortgage company provide the proof of insurance and they will adjust the premium being paid. Of course, since you let it get to this point, it is your responsibility to pay the additional payments until they have adjusted it.
I just did this with a change in my personal insurance and also did it for many of my borrowers.

You allowing it to go on to where your credit is now down the tubes from a foreclosure and you are losing your home is really the sad thing.
The best advice is next time, read your mail from your mortgage company, don't be to quick to jump to conclusions, and last try to be nice when you talk to customer service rep. They will be more of a help if there not getting yelled at.