Update: I applied for discharge from bankruptcy, and the mortgage servicer immediately made a false claim that I had not made the last four monthly payments. I had to provide proof for the court, and this delays my discharge. It is also quite a burden on me to get the proof and deliver it to the court.

This has been going on for five years now, and it's really draining all my resources. First I had to file bankruptcy because I had medical bills that I couldn't pay. I'm in Chapter 13, which means that I make a monthly payment to the Trustee, and the Trustee pays my creditors. I'm almost finished and ready to get discharged, but it's scary. The mortgage lender has been trying to get permission from the bankruptcy court to foreclose on my mortgage and take my home. Time after time, I had to provide proof that I made my monthly payments, when they falsely claimed that I did not make the payments. Soon I will no longer have the protection of the bankruptcy court, so my best bet is to refinance. I can't afford an attorney to deal with the mortgage lender, so I need to get some major repairs done, so my home will pass the inspection to get a new mortgage from a different company. Some things have been done, but the kitchen still needs major work.

Read more