Story of the Payne's Home and Their Struggle to Save it.

This property owned by James and Denise Payne: 9910 SW 14^th 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 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 14^th 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.