fay servicing story how did I get to sheriff sale situation?

first promise you will look at fay servicing reputation. in foreclosure transgressions my story loan got transferred to fay servicing 2020 pandemic that is when nightmare began they despite governors directive NJ where there were no protections for people refused to put payments to back of loan. once foreclosure ban lifted moratorium the problems began

Despite sufficient income they would not modify my loan offered no opportunity to appeal as I would have no ability to counter offer. In addition to being represented dishonestly late and negligently by a now suspended lawyer after collecting 6 TPP payments trial payments where they then asked for more money they refused to sign the papers and sent me back to foreclosure. I had to declare bankruptcy despite only 5K in unsecured debt. to avoid loss of my home more tomorrow.