Going through a divorce, my ex and I were unable to pay the mortgage for a few months. The house was sold in XXXX 2010 ( NOT A SHORT SALE ) and the mortgage was paid to Citimortgage PAID IN FULL. After the sale of the house, the law firm handling this case reported the pre-forclosure to the credit bureaus and do n't understand how a mortgage that was paid in full can go to foreclosure. I did not own this house at the time of the filing. CitiMortgage had an moral obligation to discuss the lawyer which they did not. In addition, Citi was part of a class action suit at this time regarding DEFICIENT MORTGAGE SERVICING.