Legal Question in Real Estate Law in New York
On Feb of 2009 I did a loan modification with ocwen loan servicing company, the mortgage was behind from 2007 to 2009 33 payments total @ 700 dollars was the payment.
The mortgage company said they paid this amount and tacked on 23K + 11K in escrow to the mortgage, the principle went from 62K to 98K
Out of the 700 dollars is also principle but I don't show they used those funds against any original principle.
Does this debt collector company have a right to change the principle balance or is this something I can fight at this point?
I'm about to get another mortgage refi and wanted it for the 62K amount or less if possible
1 Answer from Attorneys
What you need is a forensic accounting of your loan balance.
This is not generally available free of charge, but if you call the county bar association, they might be able to refer you to clinic or other program that can help you.
I would have to charge you at least $525 for the amount of work this would take.
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