I 'm trying to do a short pay on the property deeded in my name, the original loan was in my ex husbands name ; so I 'm trying to get the loan in my name. My ex husband was the victim of predatory lending and the mortgage on the home is what lenders call " upside down '', when my ex husband left he filed bankruptcy on the loan and I started paying it so I would n't lose the home. At one point it went into foreclosure because of the monthly payment and I was unable to pay it. I would like to get this mortgage in my name and not have to worry about it going into foreclosure again. I was working with the previous servicing company that serviced the loan and the loan was transferred to another servicing company. The current company has been giving me the run around on the loan, I have submitted all documents they have asked for an even proven that the property is not worth the VPO value determined by an estimate they obtained. The servicing company tells me that the variance is determined by a third party vendor of theirs but will not supply me with the name, they have refused to tell me who now holds the actual mortgage on my property and that I have to deal with them. I 'm not allowed to speak with their underwriters or anyone within the company other than their customer service agents. I 've tried numerous times to go through their resolution department to no avail. I finally decided to do some research on my own and found out that this particular company was fined in the past by the Federal Trade Commission for unfair business practices that caused numerous people to lose their homes. I have a XXXX son and I have lived in this home with him and modified it for his use since XXXX. The previous serving company had come to an estimated value of XXXX XXXX and I 'm willing to pay that, the current servicing company is in no way willing to take XXXX XXXX when I 've submitted document proving its value to on be worth that amount and even offered to show them the correspondence from the previous servicing company. The current company is wanting XXXX XXXX more. I 've asked them to justify to me how they can determine the property is worth more than the previous servicing company. Their customer service agents do not forward my estimates when I turn them in and then I 'm told the final decision has been made. Honestly, I think the company is trying to push me into a foreclosure, they contacted my ex husband and tried to talk him into signing a deed in lieu so they could put the house on the market and sell it. I honestly believe this company is trying to sell my home out from under me using whatever means possible. 
