Rushmore Loan Management Services LLC Mortgage Complaint

Rushmore Loan Management Services LLC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure California

- sold my loan to RUSHMORE LOAN MANAGEMENT on -/-/- while I was a few months past due. 1 ) When I e-mailed the RUSHMORE specialist appointed to me, detailing my financial and physical hardship, I did not get a reply so I resent the email. The response to this second email said 'CALL ME '. He has refused to note anything in writing, only over the phone. 2 ) When I asked about payment arrangements I was told that 2 to 4 months was the longest they would give homeowners to get caught up [ also listed on their website ]. I replied that I 'd not be able to satisfy that past due and keep current with that short of a payback period - I would need at least 1 year. The specialist said I could right now give my financial details over the phone and the 'partners ' would decide if they wanted to extend me the privilege. I asked if there was a form


3 ) The specialist suggested a Refi - I told him that I would not qualify for a refi, and that I was satisfied with the terms of my re-fi from - -/-/-, that I was trying to rectify my financial situation but I needed more time. Rushmore sent me a refinance application via - 4 ) On -/-/- Rushmore mailed me an 'Foreclosure Alternatives Program Deed-In-Lieu of Foreclosure with a 90 day deadline. Stating that I 'may be eligible ' for cash amounts during 30 days, 60 day, and 90 days with the amount decreasing at the - intervals. -/-/-, I received a DEBT VALIDATION NOTICE from - - -. -/-/- I faxed a DISPUTE to - - - - - - - 'Please be advised that I, consumer, dispute the validity of the stated $880000.00 debt or a portion thereof ... Please provide a line item detail [ including the names of all parties, entities that charged fees for services i.e., inspections, maintenance, attorney fees, escrow amounts, etc. and whom received 'corporate advances ' validating the above-stated debt total dating back to -, when - acquired the debt from - -, to present to me via the address of the property listed above. ' -/-/- I received via US Mail, - - - response to my dispute ; # 1 '' Please be advised that - is the foreclosure trustee and not the lender or servicer of your loan. Any information regarding the servicing of your loan, including requests for payment accounting and/or history, should be directed to RUSHMORE LOAN MANAGEMENT. '' Attached were copies of the following documents ; # 2 -/-/- - AM - - - filed SUBSTITION OF TRUSTEE ... # 3 -/-/- original - note [ NOT INCLUDING - - ... (?? ) # 4 -/-/- Filing Recorded County of - - CORPORATE ASSIGNMENT DEED OF TRUST from - - - to - PASS-THROUGH TRUST -, - - AS TRUSTEE ... # 5 -/-/- Filing County of - - ASSIGNMENT OF DEED OF TRUST from - PASS-THROUGH TRUST -, - AS TRUSTEE, ITS SUCCESSORS AND ASSIGNS, whose address is C/O - ... Am I not entitled to the requested information and protections according to FDCPA 1692? FDCPA 1692 G : Validating debts Bill collectors are required to validate debts before continuing collection efforts according to section G of the FDCPA. SECTION 1692G ( a ) Validation | Proof is required if debt is disputed SECTION 1692G ( b ) Cease Collections + Verify Debt| Requires that 1 ) Should the consumer dispute the debt or requests identification of the original creditor in writing 2 ) The Collector must cease collection efforts 3 ) until he verifies the debt and mails a response. - - - - I have requested a full accounting. - - -I have requested a full accounting. Thank you