I am a single mother of three. My middle boy is autistic and had been diagnosed with diabetes.
I had no vehical and the only way to get him to his doctor appointments was to get one. I was up to date on my house payments at that time. I called Flagstar to see if they could help me with a smaller payment somehow so i could put a down payment on a car and still be able to afford the house payment. They said they could help if i was 3 months behind on my payments.
I got a car and got 3 payments behind, when i tried to send them my next payment they sent it back. I called and they said they couldnt accept it because i was to far behind. By the time i got ahold of anybody in loss midigation, they had my house listed in the newspaper for sale. After i got that stopped, i had to send in a bunch of forms and letters and have had to do that for the next 2 years and am still doing it.
I think that they are taking this long so i wont be able to afford the payments and they will get the house anyways. I would like to get some leagal advice on this but i cannot afford to do it.