When a family is living under extreme financial duress, the family’s mental health and functioning is impaired. She wrote on her Facebook page last month that she was still adjusting to the changes in her life.Ī couple that had financial issues since as long back as 2009 was a family is distress. Anyone with teens knows how costly it is to raise them, and the stress caused when you are unable to meet their needs likely increased household stress.īrittany Kologi, was a first-year student at Stockton University in Galloway, N.J., and had recently come home for the holidays. Linda Kologi had another son from a previous relationship, 25-year-old Jonathan Ruiz, according to sources. Postal Service and continued to raise three children, Brittany, Steven Jr. Steven Kologi stopped working for the U.S. The average American household now holds $15,654 in debt in 2017, according NerdWallet, a consumer finance website. The Kologis, like many American families, financed the financial deficiency they faced at month’s end, until it was no longer servicable. A 42-page federal bankruptcy filing also shows the family’s level of debt: The couple owed more than $72,000 on credit cards and had a $15,000 lease on a Honda Civic. The couple had filed for bankruptcy in 2009, listing a monthly income mostly from Steven Kologi’s job as a mailman, a job he’d had for a decade. They had multiple mortgages on the property over the years, documents show and the chain of title, is fragmented and makes no sense after a cursory review. Steven and Linda Kologi purchased the duplex located at 635 and 637 Wall St. In December, lawyers for Ocwen Loan Services, a company that has been fined millions of dollars for unfair debt collection practices, asked a judge to declare the Kologis in default on a mortgage from 2006, in an effort to proceed with the foreclosure process. Monmouth County records filed in the clerk’s office show that in early August, the Kologis were notified of a pending foreclosure on their home. Yet family members and friends say the financial pressures didn’t allow that to prevent them from being good community members, or doting on their children. Public records illustrate that the Kologis were dealing with financial hardship in recent years-like millions of Americans who have not recovered from the economic and housing crisis of 2008. The suspect opened fire less than 20 minutes before the family would have rung in the new year at their Long Branch, N.J., home, officials said. Scott Kologi used a semiautomatic rifle to kill his parents, Steven and Linda Kologi, his 18-year-old sister, Brittany, and 70-year-old Mary Schulz, Monmouth County Prosecutor Christopher Gramiccioni said. People who approach Ocwen for a loan modification document the run-around they experience including lost documents, cancelled modifications that were completed, and other horror stories. Ocwen fails to respond to qualified written requests, provides fabricated documents and plays a cat-and-mouse game with people who dare to contest Ocwen has standing to proceed with foreclosure. Ocwen is a debt-collector that is known to cause an incredible amount of stress and trauma to families who have the misfortune of having Ocwen assigned as their loan servicer. Saving your Home starts at this Ocwen Call-Center? Good luck with that. LAWYER-CLIENT JOB FAIR BY TELECONFERENCE - ***SPREAD THE WORD***.The Evolving Mortgage Audit and Analysis Process.Attorney Network Expands to Over 150 Lawyers in 37 States.New Workshop on Homeowner Rights and Strategies.Foreclosure Defense and Offense: The Evolving Mortgage Audit Process.Lehman - Aurora - BNC - First Alliance et al.SEC Filings on securitized debt and mortgages.REGULATORY AGENCIES AND ACTIONS: FULL COURT PRESS.MERS - Mortgage Electronic Registration Systems.Settlements, Modifications, Short Sales.RECENT DEFENSIVE MOTIONS FILED BY “LENDERS”.Narratives as background for argument or pleading.Trustees: Deed, Pool, Certificate-Holders, Substitutions and Beneficiaries.TITLE AGENT LIABILITY FOR ERRORS AND OMISSIONS AND TITLE INSURANCE.CAUSES OF ACTION AGAINST ALL OR ANY DEFENDANTS.America’s biggest mortgage source is making it easier for millennials to buy their first home.Mission Statement and Introduction: SINGLE TRANSACTION.Please Donate to Support Neil Garfield’s Efforts to stop Foreclosure Fraud.
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