I'm describing open crime - and they get away with it. The company that tried to steal my house was
Green Tree, they later lost a paltry 63 million dollar lawsuit but they make far more than that. Then they just changed their name to DiTech and keep doing the same thing.
State Attorney Generals all have departments overwhelmed with complaints - mine did, too. Like I said, they mainly collect from the elderly, uneducated, widows and orphans who don't understand what happened - all they know is the Sheriff came and evicted them even though the mortgage servicer was still promising to straighten it out. Because (like I said) the mortgage services lie to them to distract them until it's too late.
I understand it's hard for a lot of people to believe. When I explained it to my relatives some of them asked "why couldn't you make your payments on time?" They couldn't understand a company would just take the money and not apply it to the loan.
If someone like me exposes them they just claim it's a mistake, fix it and they can no longer be charged in that case.
I'll try to say it again and hope you understand it's not insurance.
They take your payment and don't apply it to the loan - criminally. Then they lie to you that they'll fix it until it's foreclosed. Then nobody believes some old guy yelling in court.