| 10/21/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
- Paying off the loan
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Web |
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1.The original XXXX Mortgage was on XXXX XXXX XXXX, recorded on XXXX XXXX XXXX as document number XXXX. It limited the principal on the loan to {$150000.00} as a cap.
2.Then on XX/XX/XXXXXXXX XXXX XXXX myself and my Husband 's business partner, XXXX XXXX XXXX XXXX as well as, and in addition to, a Corporation they formed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
3.The primary Borrower was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$92000.00}. The Corporation also signed the Note.
XXXX. My Husband XXXX XXXXXXXX XXXX XXXXXXXX XXXX 's also signed " Personal Commercial Guarantee 's '' on XX/XX/XXXX.
XXXX. XXXX & XXXX XXXX also pledged there home as " additional secured collateral '' in the event the businessXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's did not satisfy the and the personal guarantee 's of pledged their marital home in Tenancy-By-The-Entirety- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CROSS-COLLATERAL XXXX XXXX
6.I was told to sign the mortgage letting a mortgage be placed on the house related to the business loan- I received no money and no disclosures as required by TILA and I was not given the right to rescind or had anything explained to me- I speak very little XXXX. They also had me execute/sign a " Commercial not Residential Mortgage '' in violation of TILA regulations for a Residential " second mortgage '' with XXXX XXXX on XXXX XXXX XXXX allowing their marital home to be used as " additional collateral '' for the Business ' Loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the primary secondary source of payment if the Business failed, which it did when the bubble burst.
7.The XX/XX/XXXX Mortgage had a provision on page 11, para. Amendments that any " change '' or " " alteration '' shall not be " effective '' unless " signed '' by all parties to be bound.
7.B. On XX/XX/XXXX XXXX recorded a Mortgage for {$200000.00} XXXX XXXX XXXXXXXX to secure a {$200000.00} Note. ( But they released this Mortgage on XX/XX/XXXX, only after the XXXXXXXX XXXX entered into the XXXX XXXX XXXX HAMP Loan Mod which modified the {$150000.00} Mortgage entered into on XXXX XXXX XXXX. ) C. More than likely the {$200000.00} XX/XX/XXXX XXXX XXXX paid off the XXXX Loan in full and gave the XXXX XXXX some additional money. The problem is they didn't do a HAMP Loan for the XX/XX/XXXX XXXX Mortgage Number 2- they did a HAMP Loan Mod for the Original XXXX XXXX XXXX {$150000.00} " CAPPED '' Mortgage and Note, and even violated the terms of that loan as well!
8.However, then on XXXX XXXX XXXX, over XXXX years later after substantial money had been paid towards the {$92.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only sign a new Promissory Note which " modified '' the terms of the prior XXXX XXXX XXXX Mortgage and Note- but I, XXXX XXXX did not sign, or agree to this in any way. THIS WAS A VIOLATION OF THE ORIGINAL MORTAGE SAYING I HAD TO SIGN ANYTHING WHICH CHANGED THE TERMS.
9.The business ' went under and the XXXX XXXX XXXXXXXX don't know how much money XXXX XXXX received from either the Business or the XXXX ; 's.
XXXX XXXX XXXX filed a Foreclosure, as did XXXX, XXXX XXXX XXXX XXXX XXXX house. XXXXXXXX XXXX XXXX was Voluntarily Dismissed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX Discharge on XXXX XXXX, XXXX.
XXXX. XXXX & XXXX signed XXXX XXXX Loan Mod on XX/XX/XXXX but it illegally modified the Principal to an amount in excess of the {$150000.00} up to {$220.00}, XXXX by capitalizing all of the outstanding Interest, Escrow advances, legal fee 's, deferred interest, costs, in violation of TILA, HAMP Federal Law, as well as the Original Mortgage Terms itself, as well as XXXX 's 11 USC 524 Post Discharge Injunction from his XXXX XXXX Discharge.
13. XXXX then dismissed their Foreclosure.
14. Then I, XXXX XXXX, filed my own XXXX XXXX on XXXX XXXX XXXX and received a Discharge on XXXX XXXX, XXXX but XXXX collected on the " VOID & ILLEGAL '' XXXX XXXX XXXX XXXX HAMP LOAN with the {$220.00}, XXXX Principal during her XXXX XXXX in violation of 11 USC 362 AUTOMATIUC STAY, as well as after my Discharge in Violation of 11 USC 524 as well.
15. Then on XXXX XXXX XXXX recorded on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX substantial Discount.
16. Then on XXXX XXXX XXXX M-IIII assigned the Note and Mortgage to AMOS FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
17. Then Amos filed Foreclosure 18 CH 1394 despite the original XX/XX/XXXX Mortgage and Note having a Venue Clause for XXXX XXXX.
18.Then XXXX filed a Foreclosure on the HAMP Loan on XX/XX/XXXX.
19. Then XXXX filed a XXXX XXXX XXXX which was dismissed in XXXX
XXXX. Then while the XXXX was pending Amos had their Foreclosure case Dismissed inadvertently.
21. Then Amos filed a Motion to Re-Instate the XXXX Foreclosure.
22.Then the parties went to mediation.
23.Then in XX/XX/XXXX XXXX and Amos entered into an agreement where XXXX agreed to bi-furcate their HAMP XXXX Mortgage into two separate priorities with Amos in second positron after {$170000.00}, and then XXXX in Third position for the amount after XXXX XXXX XXXX has been satisfied, Amos with interest is now owed in excess of {$150000.00}, effectively creating three separate liens on the property of over {$400000.00} without the Court 's XXXX XXXX XXXX CONSENT.
24. They have not recorded this.
25.Then we - The XXXXXXXX XXXX received the IFHAF HUD COVID {$60000.00} Grant, and also paid an additional {$4700.00} from their own funds to re-instate the Mortgage.
26.AMOS also purposefully didn't include XXXX in the initial foreclosure in XXXX and just Amended their Foreclosure Complaint to add XXXX.
27.Amos is trying to foreclosure as if they are in first position and they and XXXX changed the terms of our mortgage with XXXX illegally..
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| 01/16/2020 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
Older American |
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1. On or about XX/XX/XXXX Amos Financial Services LLC by its Attorneys, The XXXX XXXX XXXX XXXX filed a Complaint for Forcible Entry and Detainer against XXXX XXXX and all unknown Occupants for possession of the premises located at XXXX XXXX XXXX, XXXX, IL XXXX.
2. Plaintiff ( s ) Amos Financial LLC introduced themselves to Ms. XXXX as a Collection Agency and Loan Servicer And That the Plaintiff ( s ) was the highest and only bidder for the above mentioned property at a Foreclosure Sale bidding {$40000.00} and an INPERSONAM deficiency judgment in the amount of {$280000.00} against Mortgagor XXXX XXXX XXXX who is now a Senior Citizen to whom Ms. XXXX has known for twelve years and affectionately call Aunt because of extended family but is not biologically related. And that the Foreclosure is the result of Mortgage Fraud legally defined as Intentional misstatement, misrepresentation, or omission of information relied by underwriter or lender to fund, purchase, or insure a loan secured by real property. And that Ms. XXXX and Ms. XXXX interred into an agreement prior to the Plaintiff ( s ) filing Foreclosure Actions in the XXXX County Foreclosure Court and that the Plaintiff ( s ) were made aware of those agreements however due to lack of understanding as to certain legal rights and lack of legal representation on behalf of the Defendant ( s ) Ms. XXXX Pro se Mortgagor and Ms. XXXX rights as Pro se Intervener on the merit of Equitable Interest. And that the Plaintiff ( s ) were able to manipulate the legal process in the courts gaining ownership of the property without disclosing a proper and legal description of the property and not acknowledging Ms. XXXX rights to Equitable Interest and rights to Intervene and causing the court to not honor her standing in the court as Unknown Owner Of Record.
3. And that on XX/XX/XXXX the Plaintiff ( s ) filed a Complaint for Forcible Entry and Detainer against Ms. XXXX and all Unknown Occupants after she refused their proposal requesting that she send {$5000.00} in certified funds to secure a loan on the property with no purchase price. And when Ms. XXXX questioned the Plaintiff ( s ) request they then responded with a different proposal which included a loan application, a request for {$5000.00} as an application fee pending loan approval via Seller Financing agreement on the property for {$100000.00} As Is with no repairs or rehab.
4. And that Ms. XXXX responded to the Plaintiff ( s ) offer with pictures of the inside and a list of damages to the property making them aware that the property is 125 years old in a disadvantaged community that is 6.5 miles in radius with over 1,000 Foreclosed properties and that there were approximately 15 surrounding my residence. And that Ms. XXXX made a counter offer of {$20000.00} showing proof that the properties highest appraisal was only for approximately {$15000.00} in its current condition.
5. And that on XX/XX/XXXX the XXXX County Foreclosure Courts rule in Favor of The Plaintiff ( s ) giving the leave Defendant ( s ) leave to file under rule 735 ILCS 5/2-1401 and that this rule under Illinois legislature affords litigants a second chance if a final order or judgment was entered more than 30 days prior to the filing of any motion to vacate. The Courts have noted that the purpose of the 1401 petition is to make the court aware of those facts which do not appear in the record that, if known, would have prevented entry of the final order or judgment. See. e.g. Prenam No. 2, Inc. v. Village of Schiller Park, 2006 WL 2381564 ( 1st Dist. 2006 ). And that Ms. XXXX as Joiner Party with Ms. XXXX started and prepared the Motions needed to file the previously mention document within a timely manner and that the document is currently being legally proofreaded and edited by Legal Aid.
6. Amos Financial LLC is one of four assignments to the above mentioned mortgage from XXXX XXXX- XX/XX/XXXX. That Amos Financial LLC its legal representation has knowing mislead the courts in the Foreclosure and Sale proceedings and that due to financial disparity and the cost of repairs to the property to maintain a safe living area, Ms. XXXX has struggled without proper legal representation or counsel during this entire process which had placed her at a major disadvantage and further financial despair. Customer Service Rep. XXXX XXXX Contacted and harassed the XXXX XXXX XXXX " Mortgagor '' for approximately a year while Attorney XXXX XXXX Manipulate the courts with a faulty Summary Judgement.
Amos Financial LLC seems to have found its market in Illinois low Income and Struggling communities by collecting on uncollected foreclosures notes and using Seller Financing to resell the properties with no upgrades or rehab for triple the market value to individuals who currently reside in the properties. The City of XXXX has over 1000 vacant and Foreclosed properties and a 65 % poverty rate. If Amos Financial LLC doesn't sell or rent these homes they sit vacant without rehab. We offered {$20000.00} after investing portions of my retirement and all of my savings while living in the home but Amos Financial has basically tried to force us into their Seller Financing. The information disclosed in this complaint are facts and everything including the number of properties that they have in Municipal Court for code violations can be found in XXXX County Illinois Public Records. We have resorted to filing in two other courts to resolve this situation and I am convinced that the State of Federal Court are going to rule in our behalf and if not This want happen to others who have been caught up in year of mortgage fraud to be revisited by secondary market collectors.
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| 03/07/2022 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Amos Financial LLC ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Home Loan ) used induce document XXXX XXXX XX/XX/XXXX to collect a debt paid off ; illegal seizing my home through wrongful foreclosure against bankruptcy, then forcing XX/XX/XXXX, using municipal housing court to evict. After I filed complaints of being harassed, threats discriminated against, retaliatory forced out of a property without use, improper procedures through the bankruptcy court, and an improper foreclosure procedure. My complaints filed in Appeal court, bankruptcy court adversary proceeding ( reopen/pending ), and through my answer since XXXX. I have requested numerous times for help ; I did not realize until recently that falsified documents used to deceive me out of property rights by malicious attack and deception was used to collect my property illegally.
The mortgage they claim is {$79000.00} through fraudulent induce documents used Mortgage Assignment placed on public files as Mortgage Assignment MER filing that file illegal using my forge signatures and personal information in the Appeal court case XXXX connected case XXXX. Other court cases connected housing court XXXX XXXX XXXX XXXX connected to Appeal XXXX XXXX. Bankruptcy case XXXX ( reopen ) connection XXXX bankruptcy ( caused adverse ).
Amos violated the automatic stay by taking affirmative actions to complete a transfer of the title that was improper mortgage process against in a void mortgage that avoided in XXXX bankruptcy, and that was deed exempted XXXX. Amos has no proof to claim under federal bankruptcy rights. Other causes of action that Amos - Amos has no right to use my personal information or identify to collect in any form.
- Amos has NO mutual agreement with me in any form of no credit, no debt, no mortgage, no credit, or any business-related agreement never.
- Amos financial used misinformation and misrepresentation of debt that they do not own knowingly created falsification of the document with intent to harm and injury during the federal moratorium, after refusing to file a proper motion in federal bankruptcy during pretrial in XX/XX/XXXX.
- Collect a debt not owed- identify thefts - Debt paid off -discharged in bankruptcy - Misrepresentation of mortgage assignment MER was not a part original closing process during my meeting lender in XX/XX/XXXX with my witness.
- XX/XX/XXXX Misrepresentation of consumer protection rights using deception to cause harm In XXXX my home was included in bankruptcy discharge ordered and XXXX Amos Financial LLC listed in the Chapter XXXX Bankruptcy discharged real estate property exempted. Amos Financial LLC bankruptcy case and bankruptcy Adversary proceeding reopen XX/XX/XXXX pending. Amos Financial violated the stay when it unilaterally collected contract fees and expenses from property against the federal bankruptcy court prohibition under discharge court order.
I hold the title interest and warranty deed since XXXX property with a clear title to the property protected by title insurance through a government program.
The harmed dated : - XX/XX/XXXX, XXXX XXXX, XXXX violation of federal eviction protection, wrongful eviction, wrongful property possession, XXXX.
- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX, illegally filing recording to perfect a lien through falsification of document place on appeal court case XXXX after the bankruptcy petition filed and court.
XXXX XXXX XXXX, during the federal moratorium, continued to harass me, violation of the stay for a creditor to pressure the debtor for payment, made a demand for payment, and threat collection action. Then used falsification of letters and account statements that violated Bankruptcy codes state and federal law by continuing illegal activity in collecting my home from me in XXXX lower court through deception. The coercion of lenders, lawyers, investors, financial companies, and others caused my XX/XX/XXXX XXXX and injury.
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| 07/27/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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On XXXX / XXXX I occupy XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) through Adverse Possession from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
On XX/XX/XXXX I filed ( Index # XXXX ) for Adverse possession at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
On XX/XX/XXXX Contact Holding purchase the building ( XXXX XXXX XXXX XXXX ) from Ms. XXXX. During the closing the mortgage indicated it was null. The title company is XXXX XXXX XXXX XXXX.
Ms. XXXX has large family which members intimidate me to move from XXXX XXXX XXXX On XX/XX/XXXX I filed a complaint with XXXX Dept. of Finance and on-line 311 Complaint form. On XX/XX/XXXX I filed a complaint with XXXX Sheriff Dept. ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) During the bill of sale of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( last known address : XXXX XXXX XXXX, XXXX XXXX XXXX was never on sale document.
On XXXX XXXX, XXXX Mr. XXXX XXXX XXXX went to XXXX XXXX Supreme Court stating he was the owner from XXXX and after XXXX XXXX XXXX purchase XXXX XXXX XXXX in XXXX that they were co-owner for a non-existing mortgage.
As a result there is a foreclosure Auctions schedule foe XX/XX/XXXX at XXXX at XXXX XXXX XXXX, Rm XXXX, XXXX XXXX ( XXXX # XXXX ).
Attorney XXXX XXXX XXXX XXXX, have a different office address listed. On court documents it stated her office is located at XXXX XXXX XXXX XXXX fl. But on internet it shows her office is located at XXXX XXXX New Jersey ( XXXX ). Mr. XXXX XXXX XXXX XXXX referee also sell property on Realtyhop and is familiar with XXXX area where Mr. XXXX XXXX XXXX lives for years.
The property allegedly has several banks. The first was XXXX XXXX which went out of business XXXX, FDIC ( XXXX ) is listed but their nature of business is saving and checking, and Amos Financial LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX.
Attorney XXXX XXXX XXXX which specialized in Family law and Social Security Disabilities claims called me from Nevada ( XXXX ) stating she was never Mr. XXXX XXXX XXXX lawyer but court document on XX/XX/XXXX Index # XXXX never show XXXX XXXX or Contact Holding as Defendant.
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| 09/09/2020 |
No |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The loan was sold to XXXX XXXX on XX/XX/XXXX. We made monthly payments to XXXX XXXX. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with XXXX XXXX subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by XXXX XXXX. On XX/XX/XXXX we received a letter from Amos Financial LLC informing us that we owe {$63000.00} for this loan. We sent Amos Financial a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by XXXX XXXX and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.
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| 01/19/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Amos Financial LLC sent me an Affidavit in XX/XX/XXXX stating foreclosure on Dallas property that was filed in Illinois. Previously in XXXX I asked for verification of debt and never received it. I also never received an initial contact letter.
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| 07/07/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Servicemember |
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| 12/31/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 02/04/2022 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 09/24/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Referral |
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| 07/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Referral |
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| 03/01/2021 |
No |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Phone |
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| 11/30/2020 |
No |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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| 11/30/2020 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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| 10/13/2020 |
No |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 07/29/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Fax |
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| 06/08/2020 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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| 11/06/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Phone |
Older American |
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| 05/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Referral |
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| 05/03/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Referral |
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