[manros]

Well, friends, I have been reading your posts for a while, trying to learn, assimilate. There is so much information to digest, so many ways to attack/defend..I dont know where, how, to get started.

The mortgage company sent me a "presorted mail first class" letter (read no mark on the envelope) I dont know when they really sent it and the postal office tells me they can't tell when they really got it.

The letter is asking the money for the 2 months behind in my payments (true). Unfortunately, because the high taxes and other bad conditions downhere in Florida, I got myself in this trouble.They are talking about foreclosure now.

They lie in the letter by saying I have never being available on the phone. As a matter of fact, they have being calling me on daily basis. I always answer their calls. So far ...polite calls.

The letter makes no reference to a "short sale package" they said they would send me. I have being waiting for that package for weeks already (just to gain time)

An infuriating detail: the letter is dated on the 20th and I am told to answer within the next 5 days. But I got it yesterday or on the 26th!!! (I go to my PO Box every day). It means that I am already past their deadline. Tricky.

Another thing, I have over 100K equity in the home. They always ask me if I live in my home in all the phone conversations.

I dont want to talk to them any more due to the lies.They sent me another letter 2 weeks ago with a non working fax to answer. I had to call them several times to get a working number..sill dont know if that number surely belongs to them or not. I dont know if they got my answer or not (in my answer I made only questions but did not send them the financial statement they wanted me to give them)

In sum, they make it difficult to answer their letters on time.

Another thing, they dont sign their letters. It is always a "customer relations department", no name, no human being I could contact.

I am ready to do all I can against this people. I know about their fraud. But I dont know where or how to get started. As much as possible, I would like an "all flanks" attack and avoid court at all costs. I know court is set to favor their corporate friends.

As of now, I am ready to fight and I am so upset, so afraid of nothing, that I almost fear myself and only myself (of course, I fear the Lord first).

I am old and uneducated, but know how to apply myself.

I forgot the name of the guy who said a "woman's ire overwrites all her fears". I think I reached that stage months ago. But I am holding myself down since there is the need to know how to proceed best or the steps.

I am open to all your suggestions, criticism, etc. I really need you all to help me. I know you dont give any legal advise. So, please, talk to me.

Thanks.