In November of 2001, I entered into a 15-year mortgage with USAA, who elected to have their mortgage serviced by PHH Mortgage in New Jersey. PHH does business, or has done business in Texas, through 28 different corporate letterheads, all living at Bishop's Gate in Mount Laurel, New Jersey. We never met. We never talked on the phone. I peacefully made electronic payments over the years, well ahead of schedule. In 2012 the company stopped accepting payments, at that time two years prepaid, and started an attempt at illegal foreclosure and sale of the property. I claimed the protection of Chapter 13 bankruptcy on Monday before the scheduled sale on Tuesday. We have a 'rocket-docket' here in Texas, so it is possible for an aggrieved party to seize property quickly, in order to avoid lengthy discussion and expense while title is sorted out. Title issues have become complex over the recent years. It generally works out great, unless there are problems.
So now my property is paid off, and I own it free and clear, about three years before expectation. PHH, and their trustee Barrett, Burke, Daffin, Frappier, Turner and Engel, et al. (Does Engel still work here?) have engaged in every form of fraudulent activity imaginable while we've been at loggerheads. Now I have the free time to devote to resolve the issue of collecting my own damages, and to represent a class here in Texas who may have experienced damages from similar unlawful activity. There seems to be a pattern of racketeer influenced corrupt organization here.