I purchased a home through Habitat for Humanity low income program in XXXX. The mortgage is serviced by XXXX Mortgage. I fell behind many times and have be able to catch up even filing bankruptcy in XXXX. I have not been able to resolve the fees charged by XXXX of XXXX to XXXX monthly starting XXXX. My mortgage is XXXX and I make XXXX an hour. I got a lawyer to help navigate in XXXX after not being able to catch up with a balance the added XXXX each year in fees. Habitat has not enforced their contract of XXXX late fee on a interest free loan. Its been in limbo and I have stopped paying money that never is applied to loan. I have XXXX XXXX XXXX assisting me to reduce the stress. I am XXXX years old. XXXX is stating about XXXX owed that accumulated since XXXX. 
