I had to file Ch.13 in 2006. Had a 5 yr. plan, it ended Feb. 6, 11.Talk to the Lawyer since Jan. Stated ever thing was fine, until I mentioned the trustee owed me 3, 000.00 He (lawyer) talked to Her(trustee) back and forth for months, with me in the loop and out. She stated I owed her the 3, oo0. and I didn't met the base plan.The hearing was on May 18, 11. The lawyer stated that if the $ was owed it will get to me blah, blah. I had a wage attachment, thank god! To prove all payments were made. Every yr. phh sends me a print out of where the money goes and to who.Never a none payment not even a late payment! Thank god, I kept them!I called PHH to get my payment book. I was told my house was up for the next sale date!Required about this PMI insurance. They said I had to have during the Chapter 13 process. It added an extra 1700. a yr. They told me its added on until I drop down to an 84 per. I am at 94 per.What ever that means.They stated they couldn't give me a payment book. Here it is June 29, 11. Cant send them $ so I will get charged a late fee or they'll send it back to me so they can foreclose . Found out over the phone the trustee just made Oct.'s payment? What?Doesn't make any sense. Phh stated I owed 5, 00.00 not including the lawyer fee. Seems to me there is racketeering going on here. I will be contacting the Attry. General in the morning! Phh also stated a lot of people owe $ when they come out of Chapter 13, & they don't know it? Chapter 13 is a repayment bankruptcy you pay your reg. mo. payment and extra on what you owe. The judge figured it out on his calculator and set the amount. Ever thing was paid. How do I owe $$ ? On the last page of the latest print out. PMI insurance had all these payment of 400., 284, etc. monthly. They were getting 59.00 month for the past 5 yrs. Cant wait to get this company out in the open . By the way didn't know Phh was brothers w/ Coldwell until they tried foreclosing on me the 1st. time. Why does Coldwell tell you they put you in the system to find the best mortage co. for you and bam its Phh. RACKETEERING! IF THIS HAS HAPPEN TO YOU OR SOME ONE YOU KNOW CONTACT ME angmellis@hotmail.com WE MUST STOP THIS
