MY MORTGAGE WAS TRANSFER TO A COMPANY CALLED SELECT PORTFLIO SERVICING IN 2015. THEY WERE SUPPOSE TO HELP ME GET A MODIFICATION AND IT HAS NOT HAPPEN SINCE 2015. I KEEP ASKING WHAT IS NEEDED TO COMPLETE THIS AND THEY SAY SEND THE SAME PAPERWORK I HAVE SENT 100 OF TIMES. HOW CAN A COMPANY HOLD YOUR LOAN FOR 5 YEARS WITH NO PAYMENT BEING SENT. I FINALLY CALL HUD AND WITH MY INCOME CAN NOT KEEP THE HOME. I HAVE READ UP ON SELECT PORTFOLIO SERVICING AND THIS HAS HAPPEN TO MANY PEOPLE. WHAT CAN I DO TO MAKE THEM STOP THIS THEY CAL HELPING. 5 YEARS NO PAYMENT STILL IN HOME.
First of all, you need to understand that by law, no lender is obligated to give you a mortgage loan modification. Second, Select Portfolio is a mortgage loan servicer. Your situation is very typical, I have handled dozens of cases against them each year. What you clearly do not realize is that this is why people retain experienced mortgage foreclosure defense and bankruptcy attorneys. By seeking a mortgage loan modification through the Bankruptcy Court's mortgage modification program, everything is submitted electronically and no lender or servicer can play the games that you have been through. If you have made no payment for 5 years and you are still in the home, instead of complaining you should be happy! You have lived free for 5 years, but there will come a time to (as they say outside of the legal community), "pay the piper." Only a mortgage foreclosure defense and bankruptcy attorney has the expertise to prevent you from having more problems than you can possibly imagine. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation. You need to retain the best mortgage foreclosure defense and bankruptcy attorney you can afford. You should not be restricted by geographic factors. Pick the best lawyer you can find and remember one rule: a good lawyer is generally never cheap, and a cheap lawyer is generally never good so don't choose based on price.
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Attorney Boyer is 100% correct no mortgage company is required to give you a modification however you may want to think about bankruptcy and an attorney like him where a modification can be many times be forced.
I concur with Mr. Boyer in his answer. You need an experienced attorney on your side in dealing with the issues you are facing. Time is not on your side.
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