Nationstar Mortgage Debt Collection Complaint

Nationstar Mortgage Debt collection department,

Mortgage Cont'd attempts collect debt not owed Debt was paid West Virginia

Beginning in -/-/-, a mortgage servicer, acting as a debt collector, contacted me - years after a foreclosure was conducted on a property I owned in Massachusetts. I had no prior knowledge of this mortgage servicer/debt collector, Nationstar Mortgage , LLC prior to this contact. I had a first and second mortgage on the property at the time of foreclosure. Both mortgages were serviced by the same company : initially - and later - - -. - conducted the foreclosure in -/-/-. 1 ) According to MA state law, a mortgagee or mortgage servicer needs a deficiency judgement to collect remaining loan debt after a property foreclosure. In order to seek deficiency judgement, the mortgagee must provide proof of having sent a notice of intention to pursue any deficiency after a foreclosure. This notice must be sent by registered mail at least - days prior to the foreclosure. Also, the mortgagee must sign and swear to an affidavit of the mailing of the above notice within - days after the foreclosure. Nationstar Mortgage has not presented me with a deficiency judgement on the debt they are attempting to collect. They have not provided evidence that a notice of intention was


- years. This attempt to collect the debt is - years past the expiration of the allowed timeframe. 3 ) Nationstar Mortgage made reports to the major credit bureaus about this debt that now appear as negatiave reports on all my credit histories. These reports have negatively affected my credit score at a significant level. I consider this reporting to be fraud and defamation. They also ignored a direct request to retract their reports to credit bureaus until they can prove the validity of the debt. 4 ) Nationstar Mortgage has threatened '' foreclosure on the property attached to the - mortgage. I do n't believe they can foreclose on a property that has already been sold in foreclosure. Nationstar appears to have partial or incomplete information on this loan and its disposition. They never refer to the previous foreclosure or a deficiency after foreclosure. I no longer have any ownership or legal access to this property. I consider this to be fraud and making false statements in attempting to collect a debt. 5 ) I have never received any notification that this loan had been sold and/or transferred to another bank/lender, OR that the loan had a new servicer. The documentation from Nationstar states that the loan is now held by - - - - - -, as Trustee for - - - - - - Certificates, - -. '' At the time of foreclosure, the mortgagee was - with - - - as servicer. I never heard anything from - or - after the foreclosure was complete. However, I did receive communication and settlement funds from federal and state government as part of class action settlements with - for illegal foreclosure practices. 6 ) The amount Nationstar claims I owe and are trying to collect appears to be based on partial or incomplete information. The foreclosure that occurred back in -/-/- netted over $35000.00 MORE than the balance on the - mortgage. There is no mention of the funds from the auction of the property or of any funds being applied to the - mortgage. Nationstar claims that I owe the balance of the loan prior to foreclosure, about $52000.00 PLUS an additional $ - for interest and fees. Again, I would consider these amounts to be false statements, threats, and fraudulant.