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 Washington Mutual Homeloan
Posted Tue August 7, 2007 7:17 pm, by Larae D. written to Washington Mutual
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Dear Sir or Madam,
I am writing you today via Planet Feedback as I am at my wit's end regarding a particularly sticky situation.
I have sent your company several letters requesting your help, and appeal to you today for a moment of your time.
My ex-husband, XXXXXXXX and I had a home financed with your company several years agao. Sadly, that marriage ended in divorce. For reasons unclear to both me and my attorney, the judge presiding over the divorce awarded the home to XXXXXXX, even though I had the children in my custody. Even more puzzling is the fact that my attorney's requests to require XXXXXXX to refinance the house in order to protect my good name and credit score were also denied. To say it plainly, he and his attorney knew his credit score was insufficient to refinance the home and successfully argued the point.
My worst fears came to light the morning a process server walked into my workplace and served me with a foreclosure lawsuit. I was absolutely devastated, as I had just settled and paid for a car XXXXXXX had repossesed and knew that I could not come up with the funds necessary to keep this loan out of forclosure. By God's good grace, XXXXXXX was able to "borrow" the money from his dad and stop the foreclosure. Unfortunately, the loan again went delinquent on a semi-regular basis for the remainder of his ownership. He finally sold the home in March of 2006.
I tried everything I could think of - begging, threatening and cajoling, to get XXXXXX to stay on top of this debt. The ramifications on my credit have been crippling. I have worked two (and often three) jobs to ensure that all my debts are repaid in the timeliest manner. XXXXXX's disregard for his personal financial obligations have been extremely detrimental to my credit score.
I am asking you today for any assistance you may offer to adjust the reporting status of this loan on my credit reports - even to the point of deleting them. I realize that I am asking a lot and that your company takes accurate reporting seriously. But I am an honest hardworking person who is just trying to straighten out a mess made by someone else -and above all - wanting a credit report that reflects my true character. Please consider my request with an open heart. Thank you so much for your time and any assistance you can offer.
Very sincerely yours,
XXXXXXXXX
formerly XXXXXXXXX
SSN# XXXXXXXX
 Reply
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Larae, I am so sorry this happened to you. Legally, I don't think
WaMu can (or will) do anything about these negative marks on your
credit. After all, your name IS on the mortgage, and that's really
all that matters.
Your exhusband sure has behaved in a shameful, unethical, immoral
manner. At least he's your ex. And the judge should be ashamed of
himself as well! I have worked in family litigation, and it was
STANDARD PROCEDURE (unless the one spouse made far more money than the
other--all bets were off then) for the party retaining the house
(almost always the custodial parent) to refinance and put the mortgage
in his/her name only.
My only consolation to you is that in several (seven? 10?) years, this
foreclosure will have to be wiped off your credit report. If you can
afford a lawyer (I recommend one specializing in bankruptcy, because
they would be well-versed in your types of financial problems), I
would consider consulting one just to see if there is ANYTHING you
could do.
Good luck to you, Larae. I remember your other letter regarding this
matter. It makes me sick that a man would do this to the mother of
his children -- certainly your children are being affected by his
behavior.
Take care, and keep us posted!
Reply
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Miss Tex,
by PaintedLady Wed August 8, 2007 @ 12:35 PM
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