I am just PO'd
Well, I did it - filed for bankruptcy. My foreclosure was avoided, but I am so mad about this thing. My original mortgage was with Bank of America and they sold the note to a servicer called Caliber Home Loans. These are the people who screwed up my loan. I have been hassling with them since they took over in Jan. I never get a statement, my payments are either not applied or misapplied. They insist I am in arrears when I am not. My only recourse to stop the foreclosure was to file BK.
It is a very emotional thing to go through... I feel like a scum or low life. People are saying "it isn't my fault" or "lots of people file"... cold comfort. My credit will take a huge hit. BK stays on there for 10 years! I will be retired by then!
Oh well... life's a b**ch and then you die right? Sorry for the bummer posting.