We have a mortgage with AHMS. We did a loan mon with them in April 2009. We did not have an escrow account set up prior to doing the modifacation. As part of the modification, they paid our past due property taxes and set up an escrow account. So after a year of paying the new mortgage amount which included an escrow payment to cover property taxes, we find out they never set up the escrow account. All the extra money we were sending for escrow they were applying to our mortgage balance. So their response was rather than try to reverse the escrow money they applied to the mortgage they said it would be easier to do a whole new modification. We were informed not to make a payment until the new modification was done. We are currently in a chapter 13 and need court approval for the modification which we did get for the original modification. We received a letter about 2 months ago from AHMS saying they are not going to do the modification due to no response from the court. Which makes absolutely no sense since they are the ones who suggested they do a new modification. I'm thinking about contacting an attorney. Anyone else have a similar problem?
