My loan was with XXXX XXXX XXXX. My payments were {$540.00} a month. My taxes were n't included in my loan payments. I became {$1000.00} behind on my taxes. I decided to make payment arrangements with treasurer of the city of XXXX to get my payments up to date. The bank decided to take over the payments and raised my mortgage payments to {$780.00} a month. After three months it went down to {$730.00}. I started struggling with the payments. I became one month behind. The mortgage company sent me paperwork for a long modification. Instead of lowering my payments they raised my payment to {$830.00}. After a month of trying to pay that amount I called and told them I could not afford {$830.00}. I was then XXXX months behind. I was told by the mortgage company that the only other option was to move out and do a short sale or a deed in lieu. I decided to move out. I was told by the mortgage company that they could issue a short sale or a realtor was able to. I moved out of the house in XXXX 2014. I was told to let them know when I moved out. I called them in XXXX and I was told that XXXX XXXX XXXX would no longer be servicing my loan. Green tree would be taking over and I should probably give them until XXXX to get up to speed on my account. When I called in XXXX my account was still not in there system. It was closer to XXXX that I was fully in their system. When I mentioned the short sale to them they told me that 's not how they do it. I would have to list my house for sale and try to get regular price for the house. She said let 's try to do a modification. I told her that XXXX XXXX XXXX already denied me. She said my case was easy. She had seen a lot worse cases. She then denied my modification request after two months of sending in information. Now for six months I 've been trying to do a deed in lieu. I 've sent the same information in five or six times. I have no idea what 's going with the process. No one sends information. I had to look at my credit report to find out they foreclosed my house. But when I ask them has the house been foreclosed I 'm told no. They padlocked the door and I asked them Why are telling me to remove everything out of the house for the deed in lieu when you already padlocked and foreclosed on the house. They keep telling the house has n't been foreclosed, I feel like their trying to catch me off guard in order to prevent bankruptcy. I would have known the process would have taken this long I would have never left the house. In the beginning I wanted to keep the house, now I just want the process to be over with. This is like a slow death. 
