Ok so on Saturday we received a paper from BOA that they "sent" to the trustee. It states on it:
This informational notice is being sent to the following borrowers at the address set forth above in reverence to their chapter 13 bankruptcy case : Insert Our Name here
A copy of this informational notice is also being sent to the chapter 13 trustee for your bankruptcy case.
This statement is being sent for information purposes only. It is intended to inform the borrower of the payments due on the borrowers account, any amounts charged to the borrwers account, and the funds applied to the borrwers account during the borrowers chapter 13 bankruptcy case. It should not be construed as an attempt to collect a debt or to modify the terms of the borrowers chapter 13 plan. Note that your chapter 13 bankruptcy plan may provide for the trustee to pay amounts outstanding on your loan as of the date you filed your bankruptcy case or as otherwise provided in your chapter 13 plan. If your bankruptcy case is dismissed, converted to a chapter 7, or the automatic stay is lifted prior to the completion of payments due under your bankruptcy plan, you will remain responsible for these cure amounts to the extent they have not been paid.
This is not a statement of the amount necessary to pay off your loan.
Home Loan Summary:
Home Loan Overview:
Contractual Unpaid principal balance: $95615.15
Contractual escrow balance: $5034.70
Monthly Payment Breakdown:
Principal and/or interest payment: $653.75
Escrow payment amount: $184.02
Total monthly home loan payment: $837.77
Additional information:
Information presented here is as of 08/31/2012
During the period when you are making payments under the terms of a chapter 13 bankruptcy plan, Bank of america tracks two types of payments that it receives. We track the chapter 13 plan payments to cure the amounts owed prior to the bankruptcy filing or otherwise under your chapter 13 plan. Seperately we track whether we are receiving your regular monthly mortgage payments due after the bankruptcy filing (which is referred to as "post-petition" period)
Funds received overview:
There was no activity on your account for the period covered in this statement.
Fees assessed during the statement period:
Date: 08/27/2012 Filing fees $75.00
Outstanding post petition fee summary:
Foreclosure $75.00
Loan type and term:
Loan type: 30 yr. conventional
Contractual remaining term: 27 years 2 months
Interest Rate: 6.875%
------------------------------------------------------------------------------------
With that what in the world is this and why in the world is my payment almost $70 more than what it actually is. It does not list the arrearage that we owe to them AND they filed foreclosure paperwork AFTER we filed chapter 13 PLUS I got a call today from our "negotiator" stating that we had made the first two payments on our modification trial (we havent paid them anything since last year!) He didnt even know we were in bankruptcy. He wanted to know when we were going to send our third trial payment in! What in the world is going on with this company. I notified the atty about this lovely letter and have not heard back about it.
This informational notice is being sent to the following borrowers at the address set forth above in reverence to their chapter 13 bankruptcy case : Insert Our Name here
A copy of this informational notice is also being sent to the chapter 13 trustee for your bankruptcy case.
This statement is being sent for information purposes only. It is intended to inform the borrower of the payments due on the borrowers account, any amounts charged to the borrwers account, and the funds applied to the borrwers account during the borrowers chapter 13 bankruptcy case. It should not be construed as an attempt to collect a debt or to modify the terms of the borrowers chapter 13 plan. Note that your chapter 13 bankruptcy plan may provide for the trustee to pay amounts outstanding on your loan as of the date you filed your bankruptcy case or as otherwise provided in your chapter 13 plan. If your bankruptcy case is dismissed, converted to a chapter 7, or the automatic stay is lifted prior to the completion of payments due under your bankruptcy plan, you will remain responsible for these cure amounts to the extent they have not been paid.
This is not a statement of the amount necessary to pay off your loan.
Home Loan Summary:
Home Loan Overview:
Contractual Unpaid principal balance: $95615.15
Contractual escrow balance: $5034.70
Monthly Payment Breakdown:
Principal and/or interest payment: $653.75
Escrow payment amount: $184.02
Total monthly home loan payment: $837.77
Additional information:
Information presented here is as of 08/31/2012
During the period when you are making payments under the terms of a chapter 13 bankruptcy plan, Bank of america tracks two types of payments that it receives. We track the chapter 13 plan payments to cure the amounts owed prior to the bankruptcy filing or otherwise under your chapter 13 plan. Seperately we track whether we are receiving your regular monthly mortgage payments due after the bankruptcy filing (which is referred to as "post-petition" period)
Funds received overview:
There was no activity on your account for the period covered in this statement.
Fees assessed during the statement period:
Date: 08/27/2012 Filing fees $75.00
Outstanding post petition fee summary:
Foreclosure $75.00
Loan type and term:
Loan type: 30 yr. conventional
Contractual remaining term: 27 years 2 months
Interest Rate: 6.875%
------------------------------------------------------------------------------------
With that what in the world is this and why in the world is my payment almost $70 more than what it actually is. It does not list the arrearage that we owe to them AND they filed foreclosure paperwork AFTER we filed chapter 13 PLUS I got a call today from our "negotiator" stating that we had made the first two payments on our modification trial (we havent paid them anything since last year!) He didnt even know we were in bankruptcy. He wanted to know when we were going to send our third trial payment in! What in the world is going on with this company. I notified the atty about this lovely letter and have not heard back about it.
Comment