Real Time Resolutions Debt Collection Complaint

Real Time Resolutions Debt collection department,

Mortgage False statements or representation Attempted to collect wrong amount Texas

The option I needed under false statements or representation was not available, but to summarize my complaint, real time resolutions is representing themselves as a mortgage company rather than a debt collection agency on my credit reports with - and -. I have a verbal recording that was consented to by them on yesterday -/-/- between - RTR employees, myself, my husband and out financial advisor where they admitted to being a debt collection agency not a mortgage company as they are illegally reporting on my credit report. I have attempted to settle the debt immediately with them if the account classification is corrected but the refuse repeatedly stating that even if I pay them in full they will leave the account on my record incorrectly. The property in question was a home I purchased alone in - that became a rental property when my husband and I purchased another home in -. The home was lost due to an illegal foreclosure by - or - as its now known. I attempted to rectify this situation, as my tenant and the - Housing Authority failed to make timely or payments at all in some instances but my only resolve has


is whats necessary to satisfy the - mortgage, but it just does n't seem right that my home was illegally taken, a settlement was paid to me to provide some compensation to my family and now we are again having our credit damaged due to something beyond our control as the collection did n't take place right away but approximately 3 years later and because its being reported incorrectly as a mortgage account not a collection account, legally my family is unable to purchase a new home due to the new mortgage laws. Had we known this was a possibility, we never would have sold our last home in - -. Therefore my husband, myself and - children are displaced due to their false representation. We have attempted contacting the credit bureaus as well and have been unsuccessful.