I Was in Foreclosure, Settled, and the Mortgage Company Still Sends Me a Monthly Bill. – Maud

“Dear Steve,

I was in foreclosure in 2004. I got a lawyer but my lawyer sold me out. I paid paid him $3000. And the mortgage company paid him $5000. I asked him why did they give him money and I didn’t get any cash. He told me they gave him the money to settle the case. But on the doucments they said this was for my
lawyer fees. My lawyer was asking for over a million dollars on my case and it was agreat case. over 30 discrampies of all kinds. I

The lawyer talked against me taking the case to court. So I signed the papers and settled for what I could get. I had no more money for another Lawyer and I know they would proceed with the forclosure if I didn’t take their deal.

On, June 4 2005, the mortgage company sent me a letter that tapes containing my personal account and payment history informaion about my loan loan information were lost whilein the possession of a third party courier.

Well, I had had enough. I went to the Library and collected information here and there and made up a letter of Intent to sue the mortage company and my lawyer. The mortgage company turned me down flat. And the lawyer never did answer. At he endof march 2008, I snt them a RESPA by certified mail.

They wrote me back acknowledging receipt and said they would get back to me in the time limited. And they did, but they didn.t know who I was, and didn’t think I had a loan with them. I quit paying them, however they send me a bill every month. the last statment I received was over $15,000. I am 74 years old. I need a roof on my house and cant get it without a current mortgage receipt. Please advise. Thank you.


Dear Maud,

I’ve been sitting here staring at your question, trying to answer it. But I must confess, I’m not sure I can even figure out what is going on from your description.

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Here is what I think I have deduced.

  • You were in foreclosure in 2004 but I don’t know if you were ever foreclosed on or that’s the issue in question.
  • The mortgage company gave your lawyer $5,000 and you did not receive any of that settlement.
  • You continue to make mortgage payments but the mortgage company does not know who you are.

If I got that correct, I would first advise you to contact a local HUD Housing Counselor. It’s a free service. Let’s see if we can get to the bottom of the mortgage first and then we can tackle the lawyer issues.

Please post your responses and follow-up messages to me on this in the comments section below.


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Steve Rhode

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