pay your mortage

Melissa that was awful......but I laughed my a** off!

There are laws re: creditor harassment

Just having a little fun Robert.

Melissa your a stupid bitch

Robert....Your right there are laws regarding creditor harassment!

yea laws referring to how many calls can be made in a month, and 10 a day is violation of FEDRAL law!!!burn those bastards.....but you should pay that mortgage

They're calling me AFTER they've received the payment, and after an hour on hold with various supervisors, they're telling me it's because they have a "system problem" and it hasn't been properly applied yet, so they can't tell me whether I have a $200 over-payment or am $600 behind. This should be sorted out, they say, "within a couple of days." They also auto-enrolled me in the "Home Affordable" Program because I *requested information* about it - didn't send anything in, didn't sign up, didn't agree, just ASKED, so they've changed my payments all around, some of the escrow's not getting applied properly, etc.

They keep telling me it's all been sorted out, yet it's still a colossal mess. My payment is usually about $1350. The "Home Affordable" information said I could expect it to drop to about $1250, which wasn't enough to make the hassle (and, frankly, risk, based on what I'm hearing about the process) worthwhile.

I continued to make my $1350 payment, though I was running late. They, however, continued to send me statements saying my payment is $920-some.

When I inquire, they say it's because I'm enrolled in the HAMP. I point out that I am NOT, and even so the HAMP info said the payment would be $1250, not $920.

They're not applying the extra money in my payments to the principle, no two customer service agents or supervisors I talk to can give me the same answer. When I received a nasty phone call about the "late" payment and told the caller that the payment has already cleared the bank and I've been told by two supervisors that there's a problem with their software that should be cleared up in "a few days," he said nastily, "So you're saying it's OUR fault that you're not paying your bills?"

Most of their agents have been polite and professional, but their entire system is whacked. I was happy with the mortgage servicer I had before this, and they "reorganized" and sold it to this bunch of clowns. Can't afford to refi with anyone else, have to try to deal with this clusterf - mess and hope it doesn't ding my credit.

This is horrible. I had a really bad experience dealing with Toyota, similar to this. I would see if there is any lawyers that can help you. It is against the law for them to harass you in that way. Check if there is a legal aid in your area, they are low to no cost.

After a lifetime of paying my bills on time I have come to the following conclusion, post bail out. You have no obligation to pay your bills to creditors. They took a calculated risk to make a buck. If you don't pay everyone involve still gets paid and if things get too bad they just buy enough politicians to get a bail out.

The only factor in paying a bill is if it is in your best interest to do so. If you have problems paying your mortage you may want to consider not paying. Put the money in savings each month and drag out the eviction process as long as possible. When you finally have to move you can probably rent a much nicer place due to the drop in the market and your rude ass mortgage lender can have one more unsellable piece of property.

My 45+ years of life I thought paying what I owed was the right way to live, I now say look out for yourself, no one else will. Your lender has all of Washington looking out for them but no one is going to mail you a bail out check when you need it.

Elayne,
Stephanie Zimmerman, a columnist with the Chicago Sun-Times, has a column called "The Fixer" and she specializes in situations like this.

http://www.suntimes.com/news/zimmermann/2020122,CST-NWS-fixer31.article

Maybe she can help you with Greentree.

Good luck.

get a cell phone that will only allow calls from people in your contact list. turn off home phone. keep paying and documenting. You also have the legal right in most states to be notified by mail only. I used to do collections. CHeck with your local BBB or Consumer council.

I have a mortgage thru Greentree and have gotton behind due to Okla. extreme weather conditions and then the Tulsa area losing 5 of their biggest companies in the last few months, also allowing outside contractors to come in and undercut what work was left. The trucking companies are going to East coast brokers to cut rates here in our area and won't use the Okla. certified contractors of their home state.

Greentree has called as high as 20 times today on Sunday the 28th. This is every day till I can make a payment. Then they will start again tomorrow because I'll still be behind even thou I tell them when I can make the next payment. I even had one girl tell me that they would take my house because I only owe $12000.00 on a $80000.00 house. see how I like that. Hope this helps someone else know that they are not the only one being harrassed. It has just about made me sick.

GREEN TREE MORTGAGE CO. ,LIES,PLAYS GAMES,WITH PEOPLES LIVES,WHEN YOU TELL THEM THE TRUTH,THEY HARRASS EVEN MORE.CALLING CONSTANTLY WHEN PEOPLE ARE SICK IS NOT OK!WE I PERSONALLY CANT WAIT UNTIL "THOSE PEOPLE GET SICK & ARE IN PAIN EVERY DAY.I WOULD LAUGH IN THEIR FACE!! I HAVE HAD EVERY "THREAT" YOU COULD IMAGINE, ALL OVER $1,200.00 LATE MORTGAGE & FAKE LAWYER CALLS, STATING I WILL GET "FORECLOSED" WHILE I AM THIS ILL& IN SEVERE PAIN, UNABLE TO DO ANYTHING.ITS THE LIES I CANT STAND, THEN THEY TRY TO SAY I OWE MORE THAN I DO TO GET MORE MONEY & "CAN THEY HAVE ACCESS TO MY BANK ACCOUNT?" THE PEOPLE NEED PROTECTION FROM GREEN TREE MORTGAGE!!!!!!!