My name is Wesley Salvas. My wife and I and our family live in the home that the Pioneer Investments owns after foreclosure. We’ve lived there for over 28 years
I used to own it when it was refinanced in 2011 with Taylor Whitaker, and Bean. They then sold the mortgage to Countrywide Mortgage, who then in turn sold it to Bank of America and were given an inflated real estate value loan. It was then finally sold to Carrington Mortgage, LLC. My father was paying the mortgage up until the divorce in 2012.
We quickly fell behind on the Mortgage due to my mother on social security and myself being unemployed. We just couldn’t make the payments and asked for mortgage assistance. They wouldn’tcome down low enough for us to afford.
In January of 2018 we were forced to vacate the property due to malfunctioning of the furnace which led to the pipes freezing and breaking and was forced to live with relatives. We were working with the insurance company to repair the damages when COVID happened. In March of 2019 a motor vehicle drove through the first floor of the home. The city declared that the property was uninhabitable until repaired. During this time, I have applied numerous times for mortgage assistance since now I was employed. Each time was denied due to property being vacant. Repairs was then finished end of November 2019 and was able to move back in. Explained the situation to Carrington Mortgage and still was denied, even when we came back to the property. In the meantime, awaiting the decisions for each appeal for loan modification, we were paying the utilities and homeowners insurance. In February of 2021, we received a letter, while we had a loan modification application in process, of a foreclosure sale for March of 2021. I called the foreclosure attorney and stated that a loan modification application was being processed, which Carrington later confirmed, and the sale date was cancelled. May 2021, I was alerted to a foreclosure auction being held outside my home, with no prior notice. The lawyer at the auction stated that the property was sold and that banks makes these errors all the time. I contacted the foreclosure attorney, and they were going to speak to Carrington to find out the validity of the sale. Several months went by and no notice has ever been received, nor was anything filed with the land court or registry of deeds. I was forced to file bankruptcy in December 2021. My bankruptcy attorneywas surprised nothing has been recorded and nothing had been filed in land court. So, she had to file the property as an asset. The bankruptcy was discharged on February 8, 2022, and I received a letter to quit from pioneer investments two days later. I checked the records with the registry of deeds to find that on February 8, 2022 they filed transfer documents to show the chain of custody of the mortgage from the original Taylor, Whitaker and bean to Carrington Mortgage. The same day they filed the intent to foreclose along with the foreclosure deed to Pioneer Investments.
I have two small children and an elderly mother with vasculardementia residing with me in the home. Not only dealing with a foreclosure and now an eviction, has resulted in bad depression. I was able to find my mother a nursing facility but my family and I have no where to go by the end of the month