I have a question. I've been reading these posts for a while now, but I am still alittle confused. What are the chances of the bank/lender/broker or whoever is claiming to own your house settling out of court?
I have had a financial adviser who has gone thru all my mortgage paperwork. According to him, we have a case. We are not in foreclosure as of yet. He offered to check our paper work out so, we said why not, it cant hurt anything.
Well it seems our note was paid the day of our closing in 2006, and the person who paid it is out of business. We have sent letters requesting who owns our note. All we get back is copies of the note in blank and this last time we got a blank allonge. I'm so confused. Who the heck are we paying and why do they every so often try to put insurance on us which we have and havent lapsed? Payments have not been recorded correctly. Oh, and since we have started sendng letters they have not contacted us or sent us bills etc. I still pay by phone and they take the payments. Why would they stop contacting me? Seems like maybe they have something to hide. We did the forensic mortgage audit.