I guess I’ll throw my two cents in so my mom died October 24 and like the same week I was served the sheriff papers for foreclosure of my family home. I found out she didn’t pay, but it was mainly because the loan was mismanaged over multiple companies for multiple years and was just impossible to ever catch up. The first company was countrywide need I say more and now it’s with Selene. I was working making $30 an hour but they wanted 93,000 at once because of the balloon payment which of course I couldn’t do so I filed bankruptcy but ended up getting hurt at work and cutting my toe off with the lawnmower so case got dismissed but luckily right before they were about to foreclose again the government paid $40,000 on the loan. I’m the only heir and I’m keeping it and still living here. I’ve always lived here and they’re charging me on the accelerated rate which they’re not allowed to do in my situation under the Saint Germain act and only put $4,000 of the $40,000 government PHAF payment towards the principal balance and charged me nearly $12,000 in late fees and almost another $12,000 in interest for that one single year which is just disgusting. I’m trying to currently work things out with them before I file reports to every government agency and call my friend who’s a news anchor to see if they would air it. Also thinking about starting a Reddit to get everybody together and maybe start a class action or something to hold them liable at least to protect the future borrowers. This isn’t even my debt I was never late on a payment. I’m willing to assume the rightful debt the original loan plus whatever they had to pay in her absence which was only like $29,000 from statement in 2022 but their website says $40,000 was the original..regardless the government payment should’ve made us nearly square because that’s already twice what the house is worth and that’s more than what they would’ve got through auction sheriff’s sale cause everything needs replaced here. I have another good job now and willing to assume whatever payments are left on the loan but I’m not paying them $100,000 when the house isn’t even worth what the original loan amount was due to depreciation. They still say I owe like $55,000 after the $40,000 pahf payment!!! It’s insane that they do this to people. I think the wolf is finally met its match though & I will fight this with everything I got for as long as I have to to make this right and hold them accountable for these actions. This is straight up theft. We work very hard for this money and to have these little boxes. It’s not fair for some bank to be able to come swoop in after 2 months if you don’t make your payment and take everything from you and destroy your whole entire life. This is not how companies should conduct business in the USA! THIS IS ONE OF THE REASONS MY MOM DIED AT 60 from heart attack now they are trying to do the same to me. I’ve literally had chest pains for the last year from dealing with this stress I know now that’s what killed. My mom and these people are just straight up getting away with legally thieving off of people hard-working Americans this is not right and something has to be done.