This property owned by James and Denise Payne: 9910
SW 14th Street , Pembroke Pines,
Florida , 33025 is currently in foreclosure and will be sold on the steps of the Courthouse on September 25, 2012. They have a Vendee Loan, the Servicer is Bank of America and Deutsche Bank National Trust Company sued for foreclosure.
Mrs. Payne in her words...
We started falling behind right after 911 and have been trending water ever since. My family has been on a roller coaster from my husband being unemployed to following the advice of Bankruptcy lawyers, trying to save our home. It’s been a long drawn out process for us and we just need to get you to help us!
We started falling behind right after 911 and have been trending water ever since. My family has been on a roller coaster from my husband being unemployed to following the advice of Bankruptcy lawyers, trying to save our home. It’s been a long drawn out process for us and we just need to get you to help us!
We were told by the first lawyer, Jeffery Weinberg, who we
thought was going to be the person to help us during this time. That he could help us save our home. So, we met with him and he convinces us that
we needed him and he could help us.
Needless to say he had his own personal gain and later he wanted us to
do busy with his mortgage finance person, who just wanted our house. We stayed in the BK for a couple of years and
realized he was uncooperative and wanted out but he told us we could not get
out. When we try to re-finance with
someone, I found that his office was uncooperative. He would not send the information that was
needed to get the deal done. Then James
was laid off and we could not keep up with the payment so the case was
dismissed.
Next lawyer Robert Bigge who, we thought again was going to
help us. He told us that he could make
the BK work and we could re-finance in 6 months and refer us to someone who
only wanted our home. During the process
my husband was still laid off and it I could not do it with one income and
paying all the other bills. We fell
behind and the case was dismissed again.
Third and we thought it was final when we were in court but,
we saw Mr. Elisa DSouza out third attorney he smiled at us and we later
received his advertisement. I felt it
had to be a sign and I called him right away.
He was up front with us; however, my husband was still out of work. So, I attempted to make the payment later and
my husband started working. Well, after
trying to pay Elisa and catch up on other falling bills; it became to much and we
fell behind. With many attempts the case
was dismissed again.
Fourth, attorney we were referred to was David Marshall, we
started the process, and then James was involved in two motor vehicle
accidents. The day before he was going
to meet the creditors someone stop suddenly on 95’s interstate there hood flew
up and the case was dismisses. Then when
we tried again we were all in a motor vehicle accident in which we were hit
from behind by a DUI. The driver plied
into the back of our car while standing still.
The police put my husband and 26 year old daughter in jail like we were
the person who caused the accident, because we stop the guy from driving and
leaving the scene of an accident. We
were the victims, and that case is still pending as of today. Look it up case # 08004281CF1OA. But, later He was able to land a temporary job
through a temporary agency. Everything
was going good, and two weeks before Christmas, they told him that his
assignment was over this was in 2008.
The business told him that they will call him at the beginning of the
year, but that never happened. Needless to say the case was dismissed again.
Okay, now we are in 2010, we meet George Castratro, who
suggests that we just give up and file a chapter 7. Well, after many emotional and sleepless
nights we followed yet another attorney’s lead. We filed the Chapter 7 and after meeting
with the trustee, we were told that we needed to move out of our home within 30
days. Well, we have been in our home for
over 10 years. So moving in 30 days would be scary but we must do what we must
do. So, we moved out and were renting
someone else’s property. One year later,
after trying to resolve the utilities issue at the now old address. If find out that no action had be taken to
our property and that the house was still legally under us.
Okay, so now we inquired the assistances of Ameriahope
Alliances, which has attorney and other resources to help us retain our
home. They told us to move back into our
house at 9910 SW 14th street, and they could help us stay
there. Regardless of the situation they
were going to help us keep our primary residences. I have a grand daughter and this is really
the only residences that she has ever known.
When she came home from the hospital it was to this house, she has lived
her for seven years of her life. We have
to endure the economical crisis just like everyone else, and my husband and I
have always wanted one thing, and that was to keep our home.
The recession has not
made it easy we really need your help, regarding helping us save our home. I am still employed at UnitedHealth Group,
and have been for 13 years this past February.
We will make sacrifices, to cut down on our bills to make ends
meet. We do not want to lose our
home.
We understand it seems like we just can’t get it together,
but the “Lord has gotten us this far” and I know he will get us through the
end. I know you can only do what you
can, however; we are sitting still, because we know it’s going to work out. Bad things do happen to good people and it’s
all in how and who you believe in, to help you get through it.
Denise and James Payne.
September 25, 2012 is next Tuesday. If any of you reading this know of a way to help, please contact me at susan.howai@yahoo.com.
