Hi,

I'm seeking relief after the fact.  Please bear with me.  I contacted Sun Trust  seeking advice prior to submitting an application for Short - Sale to help with modifying my 1st and  2nd trust with them.  I was advice by Sun Trust staff to STOP making loan payments and submit an application for a short-sale since I would not meet the criteria for a modification.

I did everything to the letter.  Nine months later a letter of approval arrived for both the 1st and 2nd trust.  The borrower had waited for nearly 6 months and bailed out on another offer for a larger home. The 2nd buyer didn't wanted to wait 30 - 60 days for settlement as well.  I was fortunate to have a 3rd buyer soon after approval letter arrived, however Sun Trust indicated the process would need to start all over again.  While waiting for the approval one again, Sun Trust lost the file and require a whole set of paperwork again.  With the numerous delays and changes in loan processors, I was given 1 day notice that my home would be foreclosure the next day regardless of approval pending for last buyer.

I am now being sued by the 2nd trust for breach of promise for 103K.  Do I have any recourse.  I feel Sun Trust deliberately held up the short-sale proceeding.  Sun Trust refused to speak with me since a realtor was representing me.  

Do you know of anyone who handle class-action suits against Sun Trust for their delay tactics, negligence, and overall incompetence in handling my case and countless others.  I do not have the means of paying a bankruptcy attorney and fear losing what remaining assets I have.  Can anyone offer me any help and/or hope.  I would really appreciate it.

Nikki M.

202.526.0917