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My mortgage with WF is 3 months behind. I have spoken with collections many, many times. I have filled out the borrower work sheet 2x. The first time they told me I had money left over and should pay them (???), the next time they said I had NO money and they couldn't help. The only offer they have made to date was to skip one payment and then pay additional for the next 2 months. I have explained I was in an auto accident and can't work. My husband works all the over time he can get and we have sold everything we have to sell. My oldest son even cuts and sells firewood to help out... I've told them once I get my settlement from the accident we will be fine. Collections will not let me speak with the default dept. They will not even allow me to delete the escrow part of my payment (which would allow me to make the actual mortgage payment -- mtg pmt 850 escrow 350) They said if I sent 850 they will consider it a partial payment and they dont accept partial pmts.
I am at my wits end. My husband is working and worrying himself to death. Any suggestions on how I can get them to help me????




Find an attorney quickly...WF are a bitch to work with and constantly loose everything.

Sub: #1 posted on Wed, 11/28/2012 - 07:06

SOAPLADY SOAPLADY
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(Posts: 17272 | Credits: )

I have WF mtg that is in "pre foreclosure". I have been in contact with collections many times, but they won't help or let me speak with the default dept. The "workout" sheets I've filled out haven't helped either. They said I didn't have enough money to make payment and they couldn''t help. The only offer has been to skip one pmt and repay that one along with the next 2, which is NO help. I was in an accident and can't work. My husband works all the ot he can get and my son cuts firewood and sells it to help out. We have sold everything we can sell and it's not enough. It is an FHA loan. Is that why they aren't helping? I don;t know what to do. This has ruined our credit, which wasn;t great to begin with, so getting a loan or refi is out of the question

Sub: #2 posted on Wed, 11/28/2012 - 07:33

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What is the balance on the mortgage? Any equity? Is it underwater? That will help determine what course of action you should take. It ultimately looks liek you are going to have to get an attorney regardless though with the situation you are in.

Sub: #3 posted on Wed, 11/28/2012 - 20:24

waffles waffles
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(Posts: 1697 | Credits: )

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