I represent a family in Ohio whose mortgage was a XXXX mortgage, then owned by XXXX XXXX XXXX, and now Green Tree Servicing, LLC, or Ditech Financial, LLC. The mortgage was wrongfully foreclosed to begin with, but despite the Stipulated Entry between CFPB and Green Tree, Green Tree has made no effort to put a hold on the foreclosure proceedings, even though the family 's mortgage falls within the date range of affected mortgages. The family had a loan modification agreement with XXXX XXXX XXXX which they executed right before the mortgage was sold to Green Tree. Also prior to the mortgage being sold to Green Tree, the zone in which the house is located was re-zoned and the property taxes on the house increased significantly. The family entered in to an agreement with the County Treasurer to pay the taxes in ten installments. Despite their agreement with the Treasurer, XXXX XXXX XXXX stepped in without any prompting on the family 's part and paid the entire balance for the property taxes, rather than the smaller payment the family had originally contracted for. The money was added to the family 's escrow account and the monthly mortgage payment, too, increased significantly. Next thing the family knows, their mortgage is sold to Green Tree and their checks are being returned stating that the amount on the check is not enough to make a payment and the late fees started adding up at this point. This all occurred despite the fact that the County Treasurer sent a letter to Green Tree telling them of XXXX XXXX XXXX 's mistaken overpayment of the taxes. Eventually, Green Tree began foreclosure proceedings. This has gone on for the last eight months despite the Stipulated Entry between your agency and Green Tree. Green Tree 's lawyer is actually the person who relayed the Stipulated Entry to me, so it is obvious that they know that this exists. The problem we have right now as the end of the case nears as the trial date gets closer and closer, is enforcement. How can an Ohio Court enforce a Federal consent order? Green Tree knows that it is subject to the terms of the Agreed Entry, but has willfully chosen to proceed, rather than stay the foreclosure in order for my clients to go through an investigation and loss mitigation options, such as a loan modification, which they are currently completing the application for. However, if the mortgage is allowed to be foreclosed upon, it wo n't much matter whether or not they are approved for a loan modification. 
