Need help/Wells Fargo Foreclosure Info

[doodadem]

The soap opera of my life goes on........

We were nearly ready to complete a mortgage modification several months ago, when at the last minute, Wells Fargo said they didn't want to finish it unless I got a judgment lien (nasty neighbor lawsuit--refer to former posts) removed from my property. It had been discharged against me personally in the Chapter 7 bankruptcy, but remained on the property. I agreed to get the lien removed. Long story short, I ended up having to file a quick Chapter 13 bankruptcy to keep them from foreclosing on me.

I had to hire an attorney to go back in, reopen the Chapter 7, and file a motion to get the lien removed. It's been dragged out some because the attorney for the neighbors has refused to cooperate, even though the judge has already said he's going to approve the motion.

In the meantime, my attorney had to re-do my Chapter 13 and refile it, as the trustee threw a fit when I tried to "cram down" my mortgage. I still don't understand why this couldn't be done when there's a number of sources that say you can. Especially when Wells Fargo is trying to ring $370K out of me, and the property only appraises now for about $250K.

Wells Fargo is now refusing to talk to either me or my attorney. I was dealing directly with the Presidential Offices previously, as a "special" case. I think I was only special because I got Senator Boxer's office involved. They have talked with the OCC (Office of the Comptroller of the Currency, which regulates banks), and Freddie Mac. In the first go round, they appeared to be trying to help me. Today, when I talked with Boxer's office, he said no one can get hold of the OCC anymore, so they don't even try, and Freddie Mac says that Wells Fargo is advising them to foreclose.

At the moment, I still have bankruptcy protection. It is completely unconscionable that Wells Fargo would tell a single woman in the middle of a nasty divorce, who is just trying to hang onto the farm she loves, to go hire an attorney at great expense to remove this lien so they could finish the mortgage modification, if their plan all along was to foreclose.

Any other experience like this out there, or informed advice on other action I can take? I have put my heart and soul into this place, and have horses, donkeys, goats, dogs, cats, chickens, ducks, geese........I can't just jump ship like my ex-husband did.
thanks

[renate]

1. I'm sorry... not a lawyer so all I can do is K&R

Have you been dealing with Wells Fargo in person or over the phone? Maybe going into the office in person might help. And don't take a "no" answer from anybody so low in the hierarchy that they don't have the ability to also say "yes"--ask the branch manager for their supervisor's name if you have to.

Good luck. :hug:

[doodadem]

3. Thanks for the commiseration

I'm WAY beyond the branch level at this point. I had talked to both a branch manager and the guy who originally wrote the loan, way back. Both were just clueless.

Wells Fargo is a huge, faceless, sociopathic monster. They could care less about keeping someone in the property who loves it and continues to improve it, and will make mortgage payments. As well as, keeps the morons next door from bulldozing the place. I'm still fighting them in court, and they are trying once again to close my access road. If they succeed, the property would indeed be truly worthless. Wells Fargo has not helped in that fight the least bit, and actually dragged their feet so much on getting the required deeds modified per agreement and court order, that the judge got pissed off at ME, which is why I had this judgment lien.

Wells Fargo, and the other biggies on the list, took our bailout money, then laugh in our faces while they squash us like bugs. They are completely out of control, and one of the major tools that the ruling elites use to keep the slaves subservient.

[Downwinder]

4. Isn't everything frozen while you are in Court?

[barbtries]

2. i wish i could help.

but i can kick your thread. good luck.
banksters. bastards.

[Suich]

5. I forget where you live, but can you get local media involved?

An NBC affiliate in Seattle has a segment called "Ask Jesse" and it seems pretty effective.

Can you get your newspaper involved? Walk back and forth in front of Wells Fargo with a sign?

Sorry I can't be more help...you're definitely getting screwed.



:hug:

[PuraVidaDreamin]

6. I wish you lived here

On Cape Cod. We are looking for a property that might soon get
forclosed on to Occupy. Maybe you can seek out your local
occupiers and think about going this route?