What is going on with Wells Fargo?

More than likely because of the bankruptcy, your mortgage is in a freeze status. Have you called them and asked them?

Yes, we have contacted them on several occasions, latest being today 6/17/2009. We were told that our accout is current with the next payment being July 1st 2009. I got a printout from Wells Fargo website of all our payments starting from when the loan was first opened. When we looked over the printout, we noticed 2 things that seemed odd to us, the payment we made on 4-1-2009 was recieved, but only 15.99 was applied, the remainder of the payment does not show where it went, the next one is the payment we made on 6/12/2009 shows it was recieved, but was applied to nothing, However our most recent payment on 6/16/2009 was applied to our account. Maybe our account does have a freeze, but what we cannot understand is why some payments are posting and others are not.

Call and ask to speak with a manager....Get this resolved today so when you go to your BK meeting, you'll have an understanding of what's going on with that account...in case the trustee inquires about it.

Also, I am assuming you are going to keep the house...since you are filing Ch 7 - liquidation - and you have been making payments on the house.

Make sure you bring this up to your attorney - about the payments on the house, etc.

My fiance went overseas and I was trying to take care of the renovations to our home, working a job 2 hours away from the home, paying my bills, and trying to get all of his bills in line, plus I found out I am pregnant with a disabled back (via military training..) I missed one payment. Began making numerous payments and they have the audacity to say we are looking into foreclosure. Turns out 1500+ dollars went to "unapplied payments." When I tried to call them they were rude to me.. and claimed no poa// which was hand delivered/faxed/and mailed to them. They continued to send letters even to our VA office. The VA gave them a ranting ... and they "applied" our payments... but to where? The account mortgage never went down...

Be carefull...We are in BK 7 and got behind on one payment since we were paying our attorney. I called to tell them it would be late. I mailed the payment just before the 45 day mark. The day after that I received a motion for stay from an attorney for Wells Fargo. They accepted that payment, but when I sent the next two they sent them back stating it wasn't enough to bring the account current. So I found out how much to send in one check and it was $500 more then the two payments which I am thinking was for the attorney's fees. Now they sent a letter saying they need $300 more. No one can tell me what this is for. All this for being 46 days late on one payment that I called and told them I was sending.