CitiMortgage forecloses too much but painfully will not foreclose on my deceased daughter's house even two years after her death. Dallas Texas
My 38-year-old daughter died two years ago, June 3, 2011. CitiMortgage (CM) having, obtained her mortgage from her local back, has added unbearably to my devastation. My daughter died intestate, never married, no children. She bought her house on her own and her payments were up to date. I am not a co-signer on her note, have no interest in her property, nor have I paid anything on her mortgage.
As her court-appointed personal representative, I have done all things financially possible to settle her estate. I, of course, notified CM of her death and sent them a copy of her death certificate. Offering a quit claim deed or whatever would simplify and expedite to avoid their having to foreclose, I wrote and wrote and called and called while receiving no relevant correspondence nor answers from anyone.
CM continued to send a multiplicity of notifications addressed to my daughter about her being in default and offering all different kinds of ways for them to help her with her financial problems.
Every piece of mail sent to my daughter was another stab in my heart. My folder of correspondence to them and from them is over one in thick. Finally a CM employee said, “Ma’am, if you were my mother, I would tell you to let them foreclose; that is what they want to do.” I thanked him.
Finally, in Sept. 2011, I wrote a letter asking if anyone at CM understood the difference between DEFAULT and DECEASED. I told them that I doubt if God cares about her earthly credit rating and enclosed a key to the house.
A letter dated Nov. 2, 2011 from Susan C. Little & Associates, P.A. (Little) and addressed to my daughter reported that “Your mortgage loan has been referred to our firm for foreclosure.”
Jan. 31, 2012, a Court notified my son and me that CM and Little want us to agree that we are “liable for default judgment.” Financially unable to have an attorney handle this for us, then 71-year-old I wrote multiple responses to more notices from Little. Hearing no more from the Court or Little, I thought CM had foreclosed and that the house was on the market.
A letter dated Dec. 10, 2012 addressed to my Michigan address—when Little has my winter address—stated, “Enclosed please find copies of the Motion for Order Reinstating Case and Order Reinstating Case and Request for Hearing. Please let us know if we can note your approval to the Order within five days of the date of this letter.” I received this letter on Dec. 26; my son does not know when his arrived mixed with Christmas mail. Well-planned and well-scheduled: their trying to get us to agree that we are “liable for default judgment.”
Widely criticized in RipoffReport.com and Consumeraffairs.com, etc., etc., as being unfair, unconscionable, and fraudulent in its business practices, CitiMortgage, this large corporation, appears to pick on a lot of “little people.” In my opinion, Susan C. Little & Associates, P.A. is earning big money and representing them extremely well. My folder of mail from Little is now over one inch thick; interestingly, they now have a different address: I wonder if it is a better location—
Two years later my deceased daughter’s house is still not on the market. No foreclosure! And heartbroken I with no closure--