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I did not receive the Loan Modification documents... EMC foreclosed on me
Back in October 2007 the first mortgage holder started the modification process. They said it would take up to 90 days. In December the second mortgage holder grew tired of waiting for us to hear from the first. They set a foreclosure sale date. I gave them a deposit and they worked out a modification with us. In the mean time I tried to contact the first several times in December asking where the modification documents were. I never received a response. Two days ago I received a letter from the first stating that the modification was turned down due to modification documents not being signed and returned. I never received any documents. Today there was a notice on my door that our house had been foreclosed on. I called the first and they said I have to talk to the realtor who posted the letter because it has already been foreclosed. Do I have any recourse since I never received any modification documents?