Five Years and Counting

Here it is a year since my last post and we are still in mortgage/bankruptcy hell. In 2004 we went for refinancing with World Wide Financial...after four month of trying to get the loan through and going through humiliation and insults...we closed. One year later we find out, when the current mortgage company used unethical practices tried to foreclose on us and forced us into bankruptcy, that the mortgage document was forged, notorized and filed.

We have fought to have the mortgage voided, which is what the bankruptcy court granted, only for them to turn around and slap us with a forced equitable mortgage...why should they have the right to hold a mortgage over our heads? Why did we pay almost $1,000 for title insurance, that protects the mortgage company, not us, from fraud? Why does the bankruptcy court not force the insurance company to honor the policy? We are into the second appeals process through the US District Appeals court. We don't dispute the note, we dispute their ability to hold our house over our heads for that note...they lost that right. Through the bankruptcy that they forced us into they would only be able to collect for four-five years and not the max. I think that it absolutely aweful that you can have someone forge your signatures and notarize them and not lose anything...we have lost four years of our lives to litigation and astronomical lawyer bills...how is that right? Doesn't that set a precidence that pretty much means that your signature means nothing....identity theft is alright if you are a bank...interesting and depressing.