Comment on FR Doc # E7-15179

Document ID: OTS-2007-0015-0002
Document Type: Public Submission
Agency: Office Of Thrift Supervision
Received Date: August 20 2007, at 05:54 PM Eastern Daylight Time
Date Posted: August 24 2007, at 12:00 AM Eastern Standard Time
Comment Start Date: August 6 2007, at 12:00 AM Eastern Standard Time
Comment Due Date: November 5 2007, at 11:59 PM Eastern Standard Time
Tracking Number: 8027877f
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This is comment on Proposed Rule

Unfair or Deceptive Acts or Practices

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I have a mortage with Everhome Mortage out of Jacksonville, Florida. I purchased this home out of foreclosure in 2004. I have made all the payments. On Aug. 02, 2007, Everhome Mortgage sent my July 2007 payment back and said my home was in foreclosure. I faxed them all the cancelled checks for the last year. Only June 2007 was missing, I mail that payment just like I mailed all the other payments. When I called Everhome Mortgage they would not talk to me. They referred my to their collection attorneys, the same attorneys that I purchased the house from in 2004. The attorneys said that it would take over $4000.00 to get my home out of foreclosure. How can they do this. The only check that had mysteriously disappeared was the June 2007 check. Tomorrow I'm going to buy money orders for the month of June 2007, July 2007 and Aug. 2007 and sent them certified mail. If they don't accept them, I will lose my home. Please help me. The attorney's are Ellis, Painter, Ratterree & Adams LLP. P.O. Box 9946 - Savannah, Ga 31412. My Loan number 9000081336. which I assumed from Terry L. Mamak and paid all the monies to get it out of foreclosure. Ray Murphy - 26 Judy Drive - Marietta, Georgia 30060 Cell Phone - 404-569-5909 - Home Phone 678-842-0160

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