My name is XXXX XXXX ; i am a widow ; semi-retired from XXXX. The FCM bought out my XXXX mortgage a few years ago and placed a lien on my property. I have been trying to settle this since then. It is almost upsetting how they kept on asking me to counter offer against their offer of {$31000.00}, but never mentioned about the expiration date -- XXXX. Had I known that there was an expiration date on their offer, I would have made far better decision. I did not have a regular income, so I was trying to see if I could lower the final amount to borrow lower than {$31000.00}. I felt very angry at their deceit -- not ethical at all. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' to me last week. I had filed chapter XXXX in XX/XX/XXXX, I need clarification on page XXXX where they said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation. ' I am totally confused ; they said this debt was excused ; then, they would like to accelerate?. 
If you can help me settle this with their initial amount for me since they were deceitful, I would greatly appreciate it. I have XXXX different licenses -- XXXX ; each ethics class I had taken for these, they emphasized how important it was to inform your customers with all important facts to help them make a better financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

XXXX XXXX and a XXXX! 


Respectfully, XXXX XXXX XXXX 
