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Risking foreclosure caused us to file Ch 13, that did not help
Had a loan with Ameriquest, changed name to AMC that kept raising interest rate and payments, we kept getting farther behind until we were risking foreclosure and had to file a chapter 13 bankruptcy. They raised the interest and payment 3 more times to like 10.5% before selling it to Citi residential. The chapter 13 is very near ending and the current monthly payment is much higher than I can comfortably afford to pay per month. Desperately need to cut monthly payment to near half so I will never be behind again. With the current housing market it will not sell so my only choice would be to get a lower payment or lose the house.
Comments
Document all calls accurately and follow up with confirmation of points discussed, IN WRITING.
Also, use certified mail, not email or fax. (That includes commitments or promises FROM THEM as well.)
Also, read over each and every statement with a fine tooth comb. In particular, be aware of phrases regarding, 'addition info. or charges' or 'may not be exact' or anything of that nature.
Other than that, good luck!