My original loan was with XXXX XXXX which was illegally billing me. I stopped paying because there were numerous discrepancies in the amount being billed. Despite numerous request to have my loan reviewed, the request were ignored and sent to be foreclosed upon. They started a foreclosure which I was never served the summons and complaint or sent the 90 day notice as required by XXXX laws. My loan was later sold to waterfall which has been serviced by Statebridge Company. After the transfer I tried to rectify the problems with Statebridge. Rather, Statebridge continued to harass me to hand over my home rather than work with me to bring the loan current. After the transfer Statebridge continued the illegal billing and added an additional XXXX. On numerous occasions I was told I would not be given a modification and my only option was to turn over my home XXXX. A home which has more than a couple XXXX of dollars in equity. I also communicated with Statebridge about the faulty foreclosure, yet they still tried to obtain a default foreclosure. After I filed I motion to dismiss and several court appearances, the judge reviewed the case and ordered a traverse hearing. Upon the looming of the traverse hearing they discontinued their foreclosure action. 
The foreclosure was also sent to my neighbor which is a violation of federal laws. After communicating with their attorney 's and servicers asking for proof of the amount being billed they have basically ignored my request. Statebridge sent me a letter stating they were not required to answer my qualified written request since I am in foreclosure and their attorney 's have just ignored my request for documents. They have recently ended their foreclosure case and although their order of discontinuance states that the case is discontinuing without cost, I received a statement with additional foreclosure and attorney 's fees. Statebridge, XXXX are in violation of Federal, state and City foreclosure rules. XXXX Statebridge have insisted that I hand over over my house to them for {$3000.00} rather than justify their fees. 
