How can I get current?

If Citi Mortgage is getting ready to forclose that means you haven't made payments for several months, so your credit has already suffered. If you really want to save your house you can file bankruptcy. Yes, that will affect your credit again and will stay on your record for 7-10 years but the foreclosure will too and as long as you are not current with your mortgage the bank will keep on reporting you as late (that too is affecting your credit). The bankruptcy will postpone the foreclosure and depending on the counsel of your attorney he/she can tell you what chapter to file to save your home. It is not a pretty route but it is a way to work around the foreclosure and keep your home.

Citimortgage has been threatening forclosure for 6 months. I fell 3 months behind and citimorgage set up a modified payment. Paid the motified payment for 3 months. Without warning I received a forclosure in the mail. For the last 6 months I have called Citimortgage at least 2 times a week. I have faxed everything they ask for from pay stubs to tax returns. Each time I call I get the same thing "Your loan is being reviewed", "We are overwhelmed and have not gotten your information". "Call back in 2 days for an answer. The staff is not properly trained, they are not knowledgeable, and I NEVER got a helpful answer from anyone at Citimortgage. If you were lucky enough to speak to a supervisor, they are even worse. The house that I have lived in for 20 years is in forclosure and will be sold on the court house steps December 30th.

I ENCOURAGE ANYONE WHO READS THIS POST TO TAKE YOUR BUSINESS, YOUR MORTGAGE AND ANY OTHER TYPE OF BANKING WITH CITIMORTGAGE TO ANOTHER BANK. THIS BANK IS RUN BY CROOKS.

If I have already been foreclosed on is it too late to fill for bankruptcy to save our home?