2009/10 filed for modification.
2012 after rigorously sending documents to several different offices all over the country, application was denied.
Home was forclosed on, and to save the home, ch13 bankrupcy was filed.
Durring the ch.13 plan, in 2015 wells fargo atempted to force a modification on us which would have extended our loan to 2033 and costed 240k in interest.
They also changed the payment for heloc several times, including a payment change to 0.00.
-called in to confirm the 0.00 payment amount several times, and were told it was discharged with other debt in ch.13.
-wells fargo apllied to have bankrupcy dismissed for back heloc payments durring the last month of bankruptcy, with a demand of more than 7k
- scraped up and sold away possesions and made the payment.
Bankruptcy was discharged and then in August 2018 we found out about the modification errors.
More recently was informed about a deal with AG requiring wells fargo to modify delinquent wachovia customers, even though our mod. Was denied.
Currently if the mod had occured, the money spent over last 10 years could have paid off both mortgages and life would be good.
There are just too many moving parts to your question for us to be able to solve anything or to explain anything from the long distance platform of a web site. You should go see a bankruptcy lawyer, or two and discuss your financial situation. Not necessarily because you should file bankruptcy, but because BK lawyers are trained to know what if any are the options for you, and most will provide a free consultation.
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