Save our home
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Hello, my name is Christopher Long and I have two daughters whom live with me full time. Recently I've been back and forth with my mortgage company trying to get a loan modification approved from the Covid pandemic. Well I got approved and needed to make 3 months payments on time to be approved which I did and then once I called back in to make another payment they sent me back to the loan modification department to tell me a signature was missing and my modification got kicked back and I was no longer approved. Keep in mind I'm a over the road truck driver so as I'm out of town working I'm trying to get this all figured out. Well I get home and see that I've got mail stating I'm in foreclosure and they're trying to sell the home that my family has grew up and lived the past 6yrs. So I reach back out to the mortgage company and try to get the loan modification done for the 2nd time. So I start sending in all the required documents and everytime I call them back they say I'm either missing a form or the form wasn't filled out correctly all the while the sell date is closing in. I finally get everything done after many back and forth with the mortgage company and then they tell me it's to close to the sale date and they can not approve my loan modification. So I start looking for other means to save the home because I put alot of work into this house with remodeling, new roof, floors, etc and the house appraises much more then what I purchased it for not to mention the memories that my family has there. At this point I don't have the back pay that was during the covid pandemic that I was told by my mortgage company would be put on the back end of the loan and now they want it all up front or they're gonna sell. Well the day it goes on the market no one makes a bid so my mortgage company bought it?!?!? I didn't know this was legal but apparently if no one makes a bid the mortgage company can make a bid from themselves which they did and now they are actively trying to kick me and my family out and we have no where to go. They were threatening to cut off power to the house and at the time I'm on the road driving at work. So with no other options I called a lawyer to see if I had any legal avenues to take to save the home. The lawyer says he thinks he can get the loan modification reversed and that he's actually sued this mortgage company before in the past for these types of actions. Well the lawyer is wanting $8500 in full to help me and my family save our home. I do work full time but just don't have $8500 to pay him. So here I am asking against my pride because I never ask anyone for help because I'm a man and it's my job to take care of my family but I need to put my pride aside and I NEED HELP with at least half of the payment for the lawyer and I can bust my butt and pay the other half. This isn't a scam or anything like that you are more them welcome to look at my social media, Facebook, etc and see I'm a real person, with a family. I live in Theodore Alabama with my two daughters and I really really need help trying to save my home so me and my daughters aren't kicked out on the streets with nowhere to go. Please look me up and see! It's tough out here trying to raise two girls on my own as a full time parent and working away from home. Long story short my mortgage company told me during the covid pandemic that they offered forbearance which I took because i was outta work just like every other American and then when it was time for them to show me forbearance they backed out and said I owe them all the payments I missed during Covid, and then screwed me on the loan modification, and swooped in and bought the house back from themselves the day it got posted for sale and now are trying to kick me and my family out. I just need a lil help with half of the lawyer fee to try and save my family's home. Please please help me and my family out if you can.
Thanks
Christopher Long
Organizer
Christopher Long
Organizer
Theodore, AL