Save Marrisa's Family Home from Foreclosure

Hello, my name is Marrisa. I am also well known as Fatimah, your friendly neighborhood baker and mother to stray cats. I am a divorced single mother of a special little girl and a struggling entrepreneur. I inherited a property that has been owned by my family since 1965 in Philadelphia, PA. I received this amazing gift in 2021. I was honored and proud, as many generations of my family have such fond memories there.

I hired a lawyer to do all of the paperwork and transferring of the deed with my elder cousin's blessing and signatures. I was informed that all was well, and I questioned if there were any liens or loans on the property because one of my elder cousins said that she heard tale of a loan. However, the lawyer told me that nothing was found, and we moved forward. Some time went by, and I began to invest every penny I had, as well as taking credit to repair the property to a safe and livable condition. I’d use it for a secondary home as well as a short-term rental property for income to stabilize myself and my daughter upon the inevitable divorce.

I began to see multiple pieces of mail from a loan company with my deceased cousin's name, so I decided to open some of the envelopes one day, only to find that there actually was a loan and it was behind since my cousin Eldora passed in May 2020. It was going on 2 years behind. I immediately reached out and informed the company, Specialized Loan Servicing, of her death, then sent the requested documentation. They explained there was a process before they could speak with me, and that took an additional 4-5 months before I actually had a real conversation with them.

We then got the ball rolling once I understood that even though I had nothing to do with the loan, I was still responsible because the loan is on the property. I agreed to make the monthly payments as they approved me for a loan modification trial of 3 months. After that, it was to be made permanent. However, at that point, they claimed that they had not received a copy of the deed, which was not true because I sent it along with the paperwork that got me approved for the trial as well as for them to even talk to me about the loan at all! Anyhow, I emailed the deed as requested. They then claimed it was not readable, so I faxed the deed multiple times, and they claimed not to have received it. I then mailed the deed, and they still claimed not to have received it. So eventually, something told me to send it certified with a signature required, so I did, and they, of course, finally said they had it in their possession.

After that, I was told they would expedite some paperwork to save the modification but was soon after told that it was too late and I needed to pay all back payments. I have no means to pay that amount of money in my current situation. I am and always have been a helper and a giver, so I figured I better try to find my people and save my investment, my family’s last piece of property, and our heirloom. I am humbly asking anyone that can assist from near or far for aid, whether it is financial or legal help. I don’t know what else to do at this point, so here I am. As of March 25th, a sheriff sale process will be in effect. There are no more conciliation hearings, and that would mean losing everything as well as over 70 years of my family history. Thank you all in advance for whatever you can give.