I was not notified of the sale and my home was foreclosed
There foreclosure sale was Jan. 13th, 2009, and I was not notified of this sale by letter or any other way. I received a letter "demand for Possession" in 10 days, which has now passed. I have been searching for an attorney to help, but no one is willing to help at this time since they say they cannot. My name is on the mortgage and the Deed recorded at the probate office in 1999, Alabama. PHH Mortgage Services will not speak to me because I am not authorized to speak about this account since I am not on the mortgage with them, but I am on the Deed with them and they told me that is irrelevant. My ex-husband is on the mortgage only with PHH. I reside in the house. My ex-husband was ordered to pay mortgage payments on property, until he paid me the amount of equity I was awarded. That never took place, because I filed an appeal, which is still pending. How can I be on the mortgage in my county, and not with PHH? Cendant Motgage Company was the original mortgage lender, and the va was the guarantee. I should be authorized to work out payments to keep the home with PHH, since I am on the deed and reside in the home. They refuse to do this. I am scared about them coming here anytime and kicking me out and taking my personal property with the sheriff's office. In Alabama, it is law to be on the mortgage if you are married, so Cendant made an error for not following Alabama law. My rights have been so violated, and the equity in the house was over $50,000. I have interest in this house I have lived in for 10 years. I have no where to go, and no money to move. My 2 kids live here with me also, 5, and 18. I was counting on the money owed to me from my ex-husband. This man I married did this to me on purpose, because he is fighting for custody. Please help me? I am in an emergency, and have not stopped looking for help since this letter came in the mail. I need an attorney or advocate. Thank you for your time, and I hope you can help me.
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THE BBB has been notified and the US dept of Treasury and the STATE Attoney General Office.
PLEASE ADVICE IMMEDIATELY!!!







I begin trying to find an attorney in Al. March 2008, when a broker with 1st Metropolitan Mortgage changed the requirements of refinacing our manufactured home (3) weeks after telling our loan was was approved and still in underwritting at TB &W. Attorney's wouldn't even provide us of our rights when those companies took it they hands to aquire the deed of the land to attach to the mortgage. Without legal counsel, my husband and I had no rights. And sadly, few people in Alabama do.
I have spent over a year trying to find an attorney and researching laws that are suppose to protect consumers for the huge corporations that take advantage of innocent consumers. All the attorneys continue to tell me, is in Alabama ,Federal laws don't work!And no one is willing to even defend consumers rights!
We are currently in forebearence with TB&W, but it took over(4) month's , and a foreclosure notice to even get them to work with us. I have filed complaints with every office in Al. , HUD, even the president. And, I plan on continuing complainting, until someone listens. I hope all of you do too, that's the only way we'll ever be heard. God Bless!