Essentially I got tricked into selling my house in a manner I was unaware of. Instead of the buyer paying off my mortgage and getting their own, it got put into some sort of owner financed deal which left the mortgage in my name. I ca n't have this, because of this mortgage account I can not get approved for any loans because my income to debt ratio is so far off. 
The mortgage is also in extremely poor shape and borderline to foreclosure again. I am unable to contact any of the other parties in the deal and the contact I did have with them did not help. I have the right to foreclose the property if the account is in default but its been in default for over 6 months and no one will let me exercise my rights in the contract. 

Wells Fargo has the mortgage and they have the ability to end this situation immediately via my original loan but I can not get in touch with someone who can take any action or even look into this. As long as payments come in, late or not or wrong amount even, they just keep the loan current. I also get phone calls non stop, everyday from Wells Fargo wanting me to make the payment which I have not made in over 3 years. My family is basically being held hostage by this mortgage, we need a newer car and a home and we ca n't get it. The reason I sold this house is because my wife was XXXX and XXXX throughout the XXXX, all this did was make things much worse. Everywhere I turn for help I get sent somewhere else and I do n't have {$270.00} an hour for an attorney. 
