I have been around and around with them for years, and I have been forced to go through Chapter 13 proceedings to keep my house. Litton says I owe Way more than I actually do, I am amking regular monthly payments while bankruptcy proceedings progress. The only reason I chose this path was to keep my house and buy some time to try and get out from under Litton’s talons. All my other bills are manageable, and I feel this is my only option.

IF you have any information to ‘join forces’ against Litton, please reply and point me in the right direction. I am a single mom, just holding it together, but the stress alone from this company is giving me health problems, causing strife with family and job. I just want to be done with them, and have them pay for how they have misreated thousands of other families.

CALL THE EXECUTIVE RESOLUTION TEAM, do NOT deal with the customer service people, because they don’t know WHAT they are talking about , at least 50% of the time….and ya never know which 50% you’re dealing with. There is a guy there named George, who does TRY to help, but he can’t help that much.

I’d call the ERT at Litton to try to get an answer. I’d also STRONGLY suggest that you go DIRECTLY to the MAKING HOME AFFORDABE. GOV
website, DOWNLOAD THE OFFICIAL REQUEST FOR A HAMP MODIFICATION AND FAX THAT TO LITTON, along with the rest of the docs, if you go there you will find EVERYTHING needed to start the ball rolling. Just make SURE that Litton DISCLOSES FULLY ALL UPCOMING ESCROW PAYMENTS, so you, unlike me, GET TO MAKE AN INFORMED DECISION ABOUT IF WHAT YOU END UP OWING EVEN MAKES SENSE TO STAY, I’m so frustrated trying to get them to just make the screwed up modification I got work. They certainly COULD, if they wanted to, make it work, but they hardly seem to want to do more than get me to just pay, pay, pay, way, way, way more than this place is worth. If I’d had any idea that the mod they offered me FAILED to make the taxes current, I certainly WOULD NOT have signed it, until we figured that piece of it out in a way that I could manage.

Well here is my update. I have been ESCREWED over by Litton Loan Servicing.

Here is what happened.

11/19/09 they draft and send me a FINAL modification. I ASSume, this brings everything, like my unpaid taxes, insurance, and mortgage, CURRENT. I see an escrow shortage of 843.42, has been disclosed and is included in the new modified and far more affordable payment of 933.91/month. It does NOT offer me the 2% for the life of the loan I had been TOLD I’d get, it adjusts from 2% for the first five years, up to FIVE percent, which is just below what the original mortgage was at 6.5 for life.

Fine, not as good as what was alluded to, BUT better than it was and I’m happy to see they did STOP including my child support payments, which they did NOT tell me I was NOT obliged to include.

NOW comes the interesting part. Within DAYS of signing and notarizing this new deal with me, Litton Loan Servicing goes and PAYS OVER SIX GRAND IN DELINQUENT TAXES, which they now ESCREW me with, and it keeps going, as I see they actually anticipate over an EIGHT GRAND ESCROW shortage. I am shell shocked. I feel like walking. My house is in need of repairs, the high costs of living here, didn’t leave me with much to do much with.

Meanwhile, a home built by the same builder, that looks a lot like mine, EXCEPT, it has: a two car heated garage, a wrap around porch with a big deck out back, and has recently been given NEW FLOORS, NEW KITCHEN UPDATES, and some new wallboard, is assessed by the town at OVER 300k, mine is assessed at just over 200k– fine well that MUCH NICER place, sold for, get this 179,000 recently after sitting EMPTY most of the year. I doubt mine would even get 160,000, it needs updating and some repairs, I haven’t had ANYTHING much left to maintain things with. Meanwhile, I agree to EVEN PAY MORE for this place, 195,000! just so I can keep it, and have an AFFORDABLE place to live, well so much for that. I’m ready to walk and declare bankrupcy if Litton won’t fix the problem modification in some reasonably mutually agreeable way, rather than try to ESCREW me over. They can cut their losses and sell it for whatever they can. I can rent with an option a big four bedroom duplex for LESS than the 933/month AND have income from the rental! So… what am I even waiting for, LITTON IS NOT TRYING TO HELP ME OUT WITH THAT MESS OF A MODIFICATION.

ALOHA & GOD BLESS,
MARK & GWEN

avondsm7220@yahoo.com