I was contacted by a CA last night. They wanted payment for charge off they saw on our credit report. They also asked who our mortgage was with. How should I handle this?
We need a little more info. 1. When was it charged off? 2. How much did they say you owe? 3. What state are you in, do you know the Statute of Limitations in your state? 4. Is this the first time they have contacted you? If so, they have 5 days to send you a letter. 5. As soon as you get a letter from them, I would send the validation letter to them. If they call, just say keep it in writing and hang up, YOU pay the phone bill not them, YOU are NOT obligated to be nice to them.
If they were calling about a charged off account they just saw on your report, how come they wanted to know about your mortgage, isn't it listed on your report as well?
yes, they asked us if we had a mortgage with WF. I told them it was none of their busines. He said it was, and so was the charged off account. I told him I knew nothing about it . I also told him not to call any more, and he said he would. He said if we didn't work with him, they would take further action. I wished him luck.
, keep track if they call again, date/time/name; click. Here's the link to the sample letters, validation and cease and desist, don't do a full cease and desist though while requesting validation. Ask them to communicate only in writing. http://consumers.creditnet.com/straighttalk/board/forumdisplay.php?s=&forumid=25 Who's the CA, maybe someone here has had previous interactions with them? Looks like the SOL for enforcement in Maine is 6 years, on any kind of debt.
I was just curious lbrown, seems they could use that information to confirm, or try to, for themselves they were calling the right person, or just to let you know they've been poking around. Just read to me as a manipulative and under-handed request for additional info.
If they did put a lien on the house could they foreclose on it if there was a first mortgage on the house?
As I understand liens, the property can't be sold without settling them, or an estate settled, it would create an unclear title. Here the City is establishing sewer systems, if local residents can't get their trenches/system installed and connected, the City does it and places a lien on their property. One day they'll get paid, either through sale or death, but they can't force a foreclosure because of the lien.
They want to verify that you own the property. If you do, then they will tell you they will take the house if you don't pay, or put a lien on it, or something else along those lines. It is just one more way to scare you. As a practical matter, they can't take your house or put a lien on it without a lawsuit, so don't worry. In some states, they cannot even take it after a lawsuit. It is useful info to them only because they can use it as a threat.
Maine has a VERY stringent requirement for licensing and bonding collection agencies. As far as I can tell the CA you refer to is not permitted to do ANY collection activity in Maine. Check for further information here: http://www.state.me.us/pfr/ccp/ccp_index.htm
Thanks for all of the info! They called again last night and asked for my wife( I recognized his voice! He has the perfect tone for a collector...very abrasive!) I told him she was not in. He hung up. What should I say when he calls tonight??
what is your name? who do you work for? (write, write) Don't call here again. I will only communicate with you in writing. goodnight, click.
