Exhusted all means!!

Is there a way to screen your calls? Maybe not answering the phone for a while is a good idea . . . . They know when you plan on making your next payment, they've been told many times, so it's not like not answering the phone will change the situation . . . .

We usually let the phone ring when we see their number on the caller ID. They hardly ever leave a message. One day, they called like 3 times within a 20 minute span. That was quite a while ago. They told me they were on a "dialer" that places the calls, and I asked if a person was already spoken to, why couldn't they take the number out of the loop for a while, and was told they didn't know but it didn't matter anyway when someone owes a past due. I will guarantee you when I get home tonight there will be at least 2 to 3 calls from them and I am sure there will be a couple more tonight to. My kids will turn the phone on and off when they see them calling. I don't mind talking to them once in a while, heck could live with once a week, but they don't work that way. I even cringe at their commercials, (it is Washington Mutual). One of my neighbors had them and said they were a pain too. He got behine one month and they called him starting before 8:00 AM and would call as late as 9:00 PM. He works nights and sleeps during the day and he said he had a big go round with them over them calling him while he was sleeping.

We had to fight them one time because we had sent some money orders to make a payment to them because we were out of checks and they lost one of our money orders and then kept telling us they could not take partial payments and we were behind and such (and that was within the first 3 months of us being in the house). We had the copy of the money order and gave them the money order number, how much it was for and even overnighted them a copy of what we sent. 1 week later the money order was found. Now it was in the same envelope as the first money order! How they lost it, I have no idea, but I wrote a bit of a nasty letter to the accounts receivable manager and within a couple days the money order showed up, but they did not credit us any late fees and the payment was not late! It has been a nightmare with them.

Wow, that's just wrong. If they lost the payment in their own building they should've credited the late fees!

You would think, huh? But they didn't, so.... I just want to get away from them as soon as possible. That is one of my goals, get the credit score up, refinance the house and kiss these suckers goodbye!

Not sure if this helps or not, but I used to work for a Foreclosure Attorney who handled the Mortgage companies foreclosures. Anyways, you have up to the time of the sale to pay an deliquencies. So if you owed 1,000 you could pay the 1,000 the day of the sale as long as you get it to them before the start time. Also, foreclosures usually take 6-7 months before sale is set.

Did get another call from them last night. There were 8 calls on my caller ID when I got got home! Talked to a female this time, don't remember her name right now but have it written down at home and she wanted me to go through the whole spill all over again. Being in a bad mood, I told her to read the notes from the the other night and she would have all her answers to her questions and that I was not repeating myself again and did not have the time because I was headed right back out the door. She told me that she did not have to read the notes and I had to give her the information again. I told her I knew she was doing her job, but I was headed out the door and she just needed to read the notes. As I was getting ready to hang up the phone she said "Deadbeat". Whether she was talking to me or mumbling to herself, I don't know, but them a$$' will be caught up at the end of the month!

Sward, thanks for that information. I didn't know how it worked as I am sure many others didn't. Appreciate it very much.

fedup,

We were behind nearly three months last year when they started the foreclosure process. AMC Mortgage is our current lender.

I just got caught up again this month, next month I should be fully back on track, hopefully. We both work and paid off a few bills last year, so we don't have much to worry about. Hubby does not know anything that goes on the finances, he lets me take care of all that. I don't tell him much of anything, it just causes stress and it is nothing that I can't handle. We will be fine here in another month. SPRING AHEAD in better financial shape!