Bank of America Debt Collection Complaint

Bank of America Debt collection department,

Mortgage Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Tennessee

I received a collection letter from - -, - Attorneys at Law attempting to collect on Loan Number - with Bank of America, dated - -, -. This mortgage debt was discharged in bankruptcy case number - on - -, -. - - - and - - - were both included in the Certificate of Service, Certificate of Mailing and the final order discharging the debt. On - -, -, - Filed Case No. - for foreclosure of the loan -. On - -, -, Order - foreclosure was granted. On - -, -, - - - - - - - - filed case number - to proceed with the - property for foreclosure and a foreclosure sale. Order - was granted on - -, - giving - - - - - - - - the right to foreclose and


-/-/- with the foreclosure granted and a foreclosure sale looming, I took a job in - and I moved my family. We have not lived in the house since that time. Bank of America claims it took over the servicing of the loan from - - - -/-/-. I have records showing Bank of America was servicing this same loan under account number - from -/-/- through -/-/-. When they claim to have started servicing this loan in -/-/-, they were reporting it going back to -/-/-. In -/-/-, they were collecting on this debt and reporting this debt to credit bureaus even though it was discharged in bankruptcy court. On - -, -, after fighting Bank of America for four years and two months, Bank of America finally realized that they were mistaken and were not entitled to collect and report the delinquency on this loan. In -/-/- and -/-/-, I attempted a short sale contracts with Bank of America which they declined both offers on the house. On - -, -, the City of - filed a lien against the property because they had to hire a company to mow the grass. -/-/-, I had also attempted to do a Deed In Lieu of Foreclosure which stalled when Bank of America 's title company could not locate the title of the original mortgage I had on the house. On - -, -, Bank of America started changing Assignments of this mortgage from -, From - - - to -, - and - from -, - to - -. I 'm not sure but I do have an Idea of who owns the loan now. On - -, -, Bank of America sends a Notice of Acceleration requiring $190000.00 incurred post-bankruptcy from - - through - -. On - -, -, I receive the letter of Collection from - - - -, - claiming that neither Bank of America nor they have any knowledge of the bankruptcy, which is pathetic on both Bank of America and the Attorney 's office.