Summary
If a mortgage company adds years to your mortgage without explanation, request a detailed written explanation and check for any related communications. Contact both the original and current mortgage companies for copies of your signed agreements, as they are legally required to provide them. In North Carolina, you can also reach out to the Attorney Generals Consumer Protection Division or file a complaint with the Consumer Financial Protection Bureau for assistance. If difficulties persist, consulting a local attorney specializing in real estate or mortgage issues may be beneficial.Full Conversation
yes read my original papers. Yes inquired they say after paying back payments was a modification I don't have any signed papers nor understand how it may or may not have happened
It sounds like a complicated situation, Laurie. Here are a few general steps you might consider:
- Request a detailed written explanation from your mortgage company.
- Check for any correspondence or communications regarding the modification.
- Consider consulting a local attorney who specializes in real estate or mortgage issues.
Would you like assistance in finding a local lawyer to help clarify this matter?
Does government consumer protection help in this case.
In North Carolina, government consumer protection can be helpful in mortgage-related issues. Here are a few steps you can take:
- Contact the North Carolina Attorney General's Consumer Protection Division for guidance.
- File a complaint with the Consumer Financial Protection Bureau (CFPB) for federal assistance.
Would you like more information on how to contact these agencies?
Not now. Another mortgage company both original company so who would have this information so I can get copies
Case Rating: *
Hi Laurie! It sounds like you are trying to obtain documentation from your original and current mortgage companies. You can request copies of your original mortgage documents from either company. They are legally required to provide you with copies of any signed agreements. Have you tried reaching out to both companies directly for this information?
Not but I will. Thank you ????
Case Rating: *
It seems you're on the right track by planning to contact both mortgage companies for your original documents. If you encounter difficulties, you might want to consider getting legal assistance. If you need more guidance or decide to explore legal representation later, feel free to reach out!
Ok cool????
Case Rating: *
Laurie's situation with the mortgage company adding years to her mortgage without explanation is indeed concerning, but it seems like she's exploring her options effectively by planning to contact the original and current mortgage companies. If she continues to face difficulties, consulting a local attorney specializing in real estate or mortgage issues might be beneficial. For now, since Laurie is not seeking legal representation, there's no need to connect her with lawyers. If she needs further guidance, she knows she can reach out again.
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