Forclosure question

[Seawolfe]

What is the name of your state? South Carolina

My mortgage company (Washington Mutual) is foreclosing on our house.

Last February our monthly payments were bumped up 300+ dollars a month due to an alleged lapse in insurance which did not occur and in spite of 3-4 letters from the insurance agency - we stopped paying the mortgage in May and the company would not accept payments for the amount specified by the contract.

When informed of foreclosure proceedings, we filed a dispute with the company of which we have heard nothing and calls to their forelcosure dept. have shown that they are still adding the escrow amount.

I appeared before the court to stop the forclosure and the judge ruled that
we were to present WaMu's lawyer with our complaints.

About ten days later we received notification that we were again to appear in court and that if the judge ruled against us that they would ask for the foreclosure to be in effect.

Here's the kicker - we have had the money all along to pay the original mortgage amounts - but WaMu told us they would not accept it unless we
included the escrow and/or lawyers fees.

Can the judge do something to stop this nonsense - I am still more than willing to pay what we owe to WaMu, but do not believe that I am responsible for fees for things we have proven we had in effect.

Help, please --- Thank you

[Samm1970]

Not paying your mortgage payment because of an escrow dispute is very.... well, stupid. Sorry I'm not trying to be mean just candid. You've killed your credit and it's costing you a heck of a lot more now then if you'd paid what they'd ask while disputing it at the same time. If you proved your case, they'd have refunded the money.

You can do something to stop this nonsense. Make payment in full.

[seniorjudge]

Once you are in default, the only way out is to pay in full.

By that time, most lenders are not in the negotiating mood.