Q: Update. Manager said they have 30 days to provide us w/a written response after we faxed PROOF of pymnts. Is that legal
Update 2. Carrington turned over our mortgage to a collection agency to contine foreclosure.
We received the letter yesterday and it was just in my husband's name which I thought was weird because I'm also a mortgagee on the account.
And this morning our August mortgage payment cleared the bank which if they credited it will go towards June's payment per James the supervisor at Carrington.
I'm at wits end because these people are preying on us. My ultimate goal was to pay our mortgage off before my husband turned 60 iand the mortgage would have been paid off in a period of a little over 18 years. We have tried so hard to be perfect and they are just putting the screws to us. So should I seek counsel NOW ? and what kind of attorney should I get ? Im just in tears over this. I'm disabled AND the stress is really getting to me.
And I do want to say thank you for answering my first question.
A: Yes its a huge corporation moving around millions of dollars, they can't just go look at the register like local mom and pop shop. 30 days is also the reply timely to verify a debt per the FDCPA. Best tip is simply pay what is due to bring the account current RATHER than paying a lawyer. It's only 2 months, not 20 here. At WORST you have credits on your mortgage and paid it down by 2 payments. But if you let it get too far behind interest and late fees will pile on. Simply pay the amount due today and THEN argue about it when you are not in danger of foreclosure.
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