You, your lawyer or the expert you hired may be working with your mortgage company to get your mortgage modified and your mortgage payment be lowered. Or – You may have legal action pending against your mortgage company.
Yet your mortgage company continues to send you notices saying that you are delinquent on your mortgage. Or – Representatives from your mortgage company may call you on a regular basis about your late payments.
You may wonder why these notices or calls are coming.
The reason is simple. Your mortgage company is disorganized. There is no communication between departments and even within the same department.
Their computer system is programmed to send the notices that you are behind on your payments on a periodic basis. These will continue to be sent until your payments are up to date and your account is current. When your action started, no one turned the system off.
The same is true with the phone calls. The representatives making the calls are unaware that a modification is in process or that a law suit may be pending. They are just doing their job. They were never notified not to call because you were seeking a modification or that legal action was pending.
It is sad that your mortgage company is wasting so much time and money on these notices and phone calls.
Your only hope in getting them to stop is the next time a representative from you mortgage company calls you, explain to them what is happening on our case. Ask them to update their system to reflect this.
That may bring a stop to the calls and the notices. However if the representative doesn’t do anything after they get off the phone with you, nothing will happen.
You can also write a letter to your mortgage company about this. If you do, send it to the manager of the department that you, your lawyer or the expert you hired are working with.
You have two choices when you get a notice or a call. You can either look at them as a nuisance or you can chuckle that your mortgage company is wasting more money.
Much Success,
Mark Elkins
