Several years ago I needed to sell my house fast as I was facing foreclosure due to my wifes very difficult pregnancy. I got a real estate agent's number from my neighbor who said he might be able to help. This was Marshall Saleman who agreed to sell my house for me fast. He represented himself as a Real Estate Agent but he is a Real Estate Investor who is involved in the "make money with other people's money" type deals. I was very new to real estate but I asked him specifically if he was going to find a buyer who will get his own loan to buy the house and pay off my loan. He said yes and throughout the whole deal he told me this is what was happening.
First, he told me not to worry about making payments on the account anymore that it would not foreclose and he would work with the bank. The house went into foreclosure and he reinstated the loan at the very last minute by making a payment in person to Wells Fargo. This wrecked my credit but he said it would not put a foreclosure on my credit.
He actually sold the house into some owner financed nonsense that left the mortgage in my name. I was super busy taking care of my wife and everything else so I was rushed to sign papers and relied on him to descibe what I was signing. He never once mention that the mortgage would stay in my name. Several months after the house closed, I started receiving phone calls from Wells Fargo about paymenst not being made. I just told them the house was sold and they would stop calling for a while. I ended up getting an agent on the phone one day that was kind of relentless and questioned me quite a bit and told me the account was still mine and that I am responsible still for the payment. So I contacted Marshall Saleman back to get clarification. Thats when I found out how he sold it.
It has just been a continual hassle ever since. First they told me it wasn't going to affect me at all and that this a normal thing thats done all the time and I have nothing to worry about they just need to fix the payments. Did that. Then I start getting calls from Wells Fargo about the house insurance. Took 3 months to get the house insured properly still in my name.
Then the real trouble started when I went ot get a car loan. The denied me because my debt to income ration was too far off due to this mortgage. I contact Marshall Saleman and I get told that after 5 years the mortgage will off my credit. I research this and its a lie.
Then I get redirected to Danni Lynn Robison. She tells me that theres nothing to worry about all I got to do is have proof I am not making the payments and all lenders have to discount that from my credit report due to some Dodd-Frank liability law. All lies no lender has yet to be able to overlook the mortgage on my credit. No one has heard of this.
Everytime I contact any of these people they just redirect me to Robert Young of The Texas Note Company, LLC. I guess this guy is the bill pay middle man. All he cares about is getting my account information so he can make payments. But not on time and not for the right amount. Nearly every payment these people have made was late and even when I give them statements they do not correct the escrow account, make payments on time, or maintain this account in accceptable standing for me. All of which goes on my credit.
These people do everything they can to avoid me, even so far as to impersonate me to Wells Fargo to access my mortgage account information. I have proof to this. I have other accounts with Wells Fargo and I worry constantly about my security.
Mark Torok is the Trustee listed on the papers I have and him and his Lawfirm are unreachable. From What I have found he is intimately involved with Philip and Danni Lynn Robison and thus in league with them which makes me believe he is intentionally unreachable to resolve this situation.
To summarize my problem:
I did not agree to my house being sold this way. If Marshall Saleman were at all honest I would have never agreed to this.
I cannot get a mortgage or other loans because of this mortgage being on my credit.
I am paying an additional $2,400 in rent this year because I was inellgible for a program for discounted rent because I have a mortgate.
My credit is being constantly damaged by their lack of cooperation to resolve this matter.