Collection Tactics

Welcome howaboutit,

You should contact Chase and they will be able to clarify the matter for you.

No they want been there done that , these collectors call from Panama and China and you tell them that send me some closeing papers and i will send youy a current payment , i pay just enough to stop foreclouser , i feel like they got my money why not send me the papers the origanating loan company has been sued about this same mortgAge its been thru three companies and sold of

Hi howaboutit!

Welcome to forums!

In such a situation, I will suggest you to contact an attorney and take his help in this matter.

Feel free to ask if you've further queries.

Sussane

If you are on the fine line of foreclosure but haven't quite fallen over the line, then in order to make sure you do not fall into foreclosure you need to pay the past due that you owe. Remember your mortgage payments are paid in the arrears, meaning it may look like you are paying ahead but your not you would be paying the current mortgage payment. Call and get an actually pay off statement of what you owe, this would also have an exact past due amount. If you do not want a pay off then have them send you copies of all payment transactions. IF you are still not getting answers go to the attorney general write a letter. Sometimes you have to make noise to get help. You can hire an attorney but that is expensive, but could be worth it if nothing else is helping you.

Good luck

feel free to email me with other questions.

I am not behind, and i wonder why i can't get some papers the three companies that bought the mortgage the first one said they could not help me they were the originators,the second co said to talk to the third co in which want talk but they have these guys in panama calling for a payment when it isw not due they got some bad answers from me , :oops: :oops: :?:

Hi Guest,

Your query is not clear to me. Who is the present owner of the loan? You need to contact the present owner of the loan in order to get the papers regarding the loan that you require.

No,No, They Want budge ,the owner of the loan , which i think is the servicer, instaed of the owner , and i also think these bad loans have been sold into securties ands there is no one owner ,they couldn't produce mortgage papers if they had too, the orginator of the loan could, however, they are out of business and you can't find them

I had a collecter call me from Panama and because i am always late on purpose 4 days trying to shake some papers out of them ,He went on to question me ,he thought , I ask to speak to a american customer service rep and he hung up, then i call Pheonix ,Az the customer service rep got awful angery when i asked him for closeing papers , i explained it has been five years since i closed this loan ,he hung up , then i went to the local county tax asseoers office the mortgage is in the originators favor which were shut down in Atlanta ,Ga for bad banking pratices , it shows they are the oener of the mortgage, now what

You're in a tough situation. I will suggest you to contact a real estate attorney and take his opinion in this matter.