Shellpoint Partners, LLC Mortgage Complaint

Shellpoint Partners, LLC Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Ohio

My property was included in a Chapter - bankruptcy in - - and sold to - - - on -/-/-. Shellpoint began 'servicing ' the loan on - - -. They never contacted me to tell me they were now the servicer of the loan nor did they ever send me a bill. They then reported the loan 180 days delinquent to the credit agencies - -. After being denied a credit card in - -, I checked my credit report and found 'Shellpoint Mortgage Servicing on it. I contacted them and they said they were not trying to collect on the debt, but that they simply " servicing the loan according to the original agreement '' and were " protecting the creditor 's rights ''. Therefore they would not remove the entry on my credit report. My understanding is that a mortgage service company must make a 'good faith effort ' to contact the consume to avoid this type of situation. I think the laws regarding companies buying bad debt years after its discharged in a bankruptcy need to be addressed. If it was n't allowed these things would probably not happen in the first place.