Complaint Review: GreenTree Servicing

My loan was sold to Greentree from Conseco about 6.5 years ago and since then it has been a nightmare to deal with these people. If you are behind they will use every tactic in the book to try to embarrass or getting a hold of you. They have called neighbors and other people i work with. The have called and threaten my parents and they have called my ex wife's family (2 years after I divorced her and she was never on the loan). I have attempted to pay off chunks of my principle (one payment was 10K) only to have it applied to interest. I finally decided on October 1st that I was going to try to work with HUD and see if I could refinance through the program that Bush signed into law on June 30 2008. HUD was very helpful but GreenTree was not. Since the program is voluntary by the lender they decided to do their own loan mod which would allow me to rent my own house from them for a year, but it would reduce the payments by more than half (4100 to 1800....yes i know it is a lot). They would not send paperwork and asked for 3000.00 before they did anything to my loan. I refused and decided it was at that time i decided to get a lawyer involved. So I hired a real estate lawyer and a general lawyer to fight them. I also decided that i could no longer could afford my home and stopped paying greentree anything. Since I have done this and since my lawyer has contacted them they have become unreachable via email or phone. My legal team has sent notices to the Michigan Attorney General and submitted a request for an investigation to the FHA and HUD into GreenTree's practices. I would also recommend to anyone that gets harrassing phone calls from them to record your conversations with them from now on. Tell them you are recording them and see how their attitude will change. I would recommend that if you are going to go head to head with them you retain legal advice and record every conversation and save every email.

john
harrison twp, Michigan
U.S.A.