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Joy Carter Minor, Moss Point, MS

My daughter's college tuition and a reduction in work hours caused me to become 30 - 60 days past due on my mortgage payments to Nationstar Mortgage (Texas) in 2010. I allowed relatives to move into my home, while I accepted employment out of state. The relatives moved out in October 2010. I had the house professionally cleaned. One bedroom was left furnished and I return to my home every other weekend.

Early January 2011, I received a call that my home was being entered by people without my permission. The sheriffs office investigated and was told the home was being foreclosed. I immediately called Nationstar Mortgage. I was told I was 47 days past due and I had abandoned the property. Of course I was outraged, but scheduled a payment for the next week. My relatives inspected the property in my absence to confirm that the lock boxes had been removed. The following week, Nationstar Mortgage contracted a company to winterize the home. They removed the remaining furniture, disconnected the well plumping supply to the house, and shut power to all major appliances.

I am devastated the home was left unlivable and the mortgage payment is current. Nationstar never foreclosed on the home and did not have a court order to enter the property. The motor to the well pump was burned up due to incorrect disconnection and there is no water to the home. I have no idea what I can do to this illegal invasion of my home.

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