Comments on: Zombie Debt: Nightmare at the Closing Table http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html Redfin Boston Sweet Digs Wed, 01 Feb 2012 20:27:32 +0000 hourly 1 http://wordpress.org/?v=3.0.1 By: mike.martin http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-2323 mike.martin Sat, 16 Aug 2008 19:00:07 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-2323 That's terrible; my sympathies. Best of luck. That’s terrible; my sympathies. Best of luck.

]]> By: JAMES A GREEN http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-2322 JAMES A GREEN Sat, 16 Aug 2008 17:26:31 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-2322 Barrett Burke Wilson Castle Daffin&Fappier is finally being looked at by THE EXECUTIVE OFFICE FOR U.S.TRUSTEES and the FEDERAL TRADE COMMISSION(FTC).We made complains to both entity this yr.2008.Our bankruptcy was DISCHARGED IN 2000,Celar Federal savings Bank sold the zombie debt to Aurora Loan Services in 2002,Aurora re-sold the DISCHARGE debt to Midland Mortgage in 2005.It was reported as a Forclosure on our perfect credit by Aurora 2002-2004.All defendents re-aged the debt and reported as a live and collectable discharged debt.We filed a complaint with the OFFICE OF THRIFT SUPERVISION,they and I mailed Midland a copy of the 'DISCHARGE ORDER'mailing (BBWCDF)4 ATTORNY'S a copy also.Nothing has worked,these are some BAD BOYS!!.It left us no choice but to file a lawsuit and include(BBWCDF)along with all 3 Mortgage Co.The "FAIR DEBT COLLECTION PRACTICES ACT"(FDCPA)should read "FOREVER DOGGING CREDITOR PERSISTANTLY ATTACKING"!! Barrett Burke Wilson Castle Daffin&Fappier is finally being looked at by THE EXECUTIVE OFFICE FOR U.S.TRUSTEES and the FEDERAL TRADE COMMISSION(FTC).We made complains to both entity this yr.2008.Our bankruptcy was DISCHARGED IN 2000,Celar Federal savings Bank sold the zombie debt to Aurora Loan Services in 2002,Aurora re-sold the DISCHARGE debt to Midland Mortgage in 2005.It was reported as a Forclosure on our perfect credit by Aurora 2002-2004.All defendents re-aged the debt and reported as a live and collectable discharged debt.We filed a complaint with the OFFICE OF THRIFT SUPERVISION,they and I mailed Midland a copy of the ‘DISCHARGE ORDER’mailing (BBWCDF)4 ATTORNY’S a copy also.Nothing has worked,these are some BAD BOYS!!.It left us no choice but to file a lawsuit and include(BBWCDF)along with all 3 Mortgage Co.The “FAIR DEBT COLLECTION PRACTICES ACT”(FDCPA)should read “FOREVER DOGGING CREDITOR PERSISTANTLY ATTACKING”!!

]]> By: mike.martin http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-1737 mike.martin Thu, 05 Jun 2008 01:37:06 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-1737 Make sure you send a letter of challenge to every debt collector who solicits you IMMEDIATELY. Also, send complaints to your state (and the Federal) Attorney General. But yeah -- it's pretty terrible. Make sure you send a letter of challenge to every debt collector who solicits you IMMEDIATELY. Also, send complaints to your state (and the Federal) Attorney General. But yeah — it’s pretty terrible.

]]> By: Prince Ella Green http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-1708 Prince Ella Green Sun, 01 Jun 2008 07:40:18 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-1708 Our elected officials can no longer afford to look the other way while consumers get taken to the slaughter house. Our discharge order of 2000 mean nothing to these Bad Boys they skate all over the law, break dancing all the way to the bank, giving a high five! Almost 10 years after our discharge we filed a lawsuit in Galveston Texas, in Febuary 2008 against Cenlar Federal Saving Bank, Aurora Loans Services, and Midland Mortgage. The mortgage was sold and re-sold and reported to the credit agency as our live and payable debt. The Federal Trade Commission, Office of Thrift Supervision, Attorney General of Texas could stop these Bad Boys. Whose watching the hen house? A Pack of wolves? We wonder whose SECOND CHANCE is it, our or their's. Ten years of a zombie nightmare is too long. Our elected officials can no longer afford to look the other way while consumers get taken to the slaughter house. Our discharge order of 2000 mean nothing to these Bad Boys they skate all over the law, break dancing all the way to the bank, giving a high five! Almost 10 years after our discharge we filed a lawsuit in Galveston Texas, in Febuary 2008 against Cenlar Federal Saving Bank, Aurora Loans Services, and Midland Mortgage. The mortgage was sold and re-sold and reported to the credit agency as our live and payable debt. The Federal Trade Commission, Office of Thrift Supervision, Attorney General of Texas could stop these Bad Boys. Whose watching the hen house? A Pack of wolves? We wonder whose SECOND CHANCE is it, our or their’s. Ten years of a zombie nightmare is too long.

]]> By: mike.martin http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-262 mike.martin Mon, 25 Feb 2008 16:33:19 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-262 Thanks James -- that is SUCH a creepy thing to do! I'll edit the article and correct the site -- thanks! Thanks James — that is SUCH a creepy thing to do! I’ll edit the article and correct the site — thanks!

]]> By: James O'Boston http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-258 James O'Boston Mon, 25 Feb 2008 05:18:10 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-258 Wrong site: it's NOT "freecreditreport.com" -- that's a pay site that sets up a scammy SUBSCRIPTION that you have to CANCEL... totally bogus (and it's run by a credit bureau, go figure) anyway, don't be a fool just cuz they spend all that money on advertising... You want: https://www.annualcreditreport.com/ That's the real site for links to one free credit report per 365 days from each of the 3 major credit reporting agencies. Do it like I do an order one every 4 months from a different agency... Wrong site:

it’s NOT “freecreditreport.com” — that’s a pay site that sets up a scammy SUBSCRIPTION that you have to CANCEL… totally bogus (and it’s run by a credit bureau, go figure)

anyway, don’t be a fool just cuz they spend all that money on advertising…

You want:

https://www.annualcreditreport.com/

That’s the real site for links to one free credit report per 365 days from each of the 3 major credit reporting agencies. Do it like I do an order one every 4 months from a different agency…

]]> By: Shorty http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-235 Shorty Thu, 21 Feb 2008 23:09:29 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-235 Ugh, that is skeezier than I thought. Ugh, that is skeezier than I thought.

]]> By: mike.martin http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-230 mike.martin Thu, 21 Feb 2008 01:59:26 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-230 Sorry to hear it, but I'm not surprised. This is what I mean by sleazy -- this isn't an honest attempt to collect a real debt, it's extortion and fraud, and you have to wonder why the credit reporting agencies aren't more interested in things like accuracy, or, oh, federal law. I think we're going to see that this practice hurts banks, too, because it makes selling mortgages that much harder. At least they aren't sending a guy named Pipe Wrench around to bust your kneecaps and steal your wedding ring. Sorry to hear it, but I’m not surprised. This is what I mean by sleazy — this isn’t an honest attempt to collect a real debt, it’s extortion and fraud, and you have to wonder why the credit reporting agencies aren’t more interested in things like accuracy, or, oh, federal law. I think we’re going to see that this practice hurts banks, too, because it makes selling mortgages that much harder. At least they aren’t sending a guy named Pipe Wrench around to bust your kneecaps and steal your wedding ring.

]]> By: Mel http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html/comment-page-1#comment-229 Mel Thu, 21 Feb 2008 01:49:19 +0000 http://blog.redfin.com/boston/2008/02/zombie_debt_nightmare_at_the_closing_table.html#comment-229 AMEN, brother! With our upcoming move to San Fran, w e have to present credit reports to potential landlords. Yes, just to RENT some crap-assed apartment in an earthquake zone with no parking or laundry. And of course, because I was suicidally depressed, uninsured, and underpaid (I would love to see a study of how those three things in tandem are a self-fulfilling cycle of guaranteed poverty, but that is another blog) my zombie debt-- though now completely paid off, ironically!-- has been haunting not only me but also my husband. Let's not mention how his divorce from his first wife screwed his credit, as well. Arghh!! AMEN, brother! With our upcoming move to San Fran, w e have to present credit reports to potential landlords. Yes, just to RENT some crap-assed apartment in an earthquake zone with no parking or laundry.

And of course, because I was suicidally depressed, uninsured, and underpaid (I would love to see a study of how those three things in tandem are a self-fulfilling cycle of guaranteed poverty, but that is another blog) my zombie debt– though now completely paid off, ironically!– has been haunting not only me but also my husband. Let’s not mention how his divorce from his first wife screwed his credit, as well. Arghh!!

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