CR in Illinois said: “I was in chapter 13 bankruptcy after I lost my job. Prior to losing my job I had applied twice for the modification and was flat out told that I did not qualify. Even though I have been upside down on my loan by over 20K.
The primary loan is with Saxon Mortgage and at 8% and the 2nd loan for 10K at 11.3% with Citi.
Once the stay was lifted on the Chapter 13 bankruptcy I made two payments and Saxon Mortgage says they did not recieve them. I have the cancelled checks and that does not make a difference.
Also, Saxon has just added an additional $4000 to my Mortgage for the legal fees as Saxon works towards taking my home of 18 years.”