Residential Credit Solutions Mortgage Complaint

Residential Credit Solutions Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account California

I am disputing all of the RCS Mortgage late payments on my - credit report. This Mortgage loan was included in my Chapter - Bankruptcy which was filed -/-/- and completed successfully -/-/-. The mortgage, initially with - and than with RCS, was included in the bankruptcy. On the bankruptcy its value is $47000.00. On -/-/- there was an Order Granting Relief From - -. This let RCS get the collateral which is the property. In no way does the wording say that the creditor could collect money from the loan, it just gives them the house. Each of the RCS late payments are after our bankruptcy was successfully completed. So this loan did not even exist at the point of the late payments. So there is no way that we could have a late payment on a loan that was already eliminated through bankruptcy. Here is how our Bankruptcy Attorney explained the Stay to us : '' You filed chapter -. You surrendered a home and allowed the creditor to foreclose. In order to do that the bankruptcy court has to lift the stay to allow the creditor to go after the property. The Order from the bankruptcy court does not say anything about allowing the creditor to seek money from you. ''