In Ventura County, many of the short sale sellers we help are selling their home to avoid foreclosure. In addition, they are receiving lots of harassing calls from debt collectors.These debt collectors seem to think that if you call someone with no extra money, then you can still get them to pay. Here is a little tip on how to stop their phone calls.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
A friend of mine looks for missing people. The database he uses is also a prominent debt collection database. He told me something interesting.
Apparently people are suing debt collectors for breaking Debt Collection Laws all the time. These lawsuits are expensive for them to defend against and easy for the consumer to file.
(I can’t agree more. In my opinion, the debt collectors knowingly break the rules all the time.)
To help debt collectors avoid future lawsuits they now have a field in their search that flags people that have filed lawsuits.
They know that if they harass these people, then they are much more likely to get a lawsuit from them.
As you can see, they are scared! In my last blog post I detailed what were, in my opinion, the different violations of the law.
You can read more info on the law at this link and see for yourself if a debt collector is violating it.
If you feel they have violated the law, then find a good lawyer to file suit on your behalf. There are many good lawyers who specialize in helping consumers when a debt collector violates the act.
Just Google “Fair Debt Collections Lawyer.” Many can help you at no cost out of your pocket.
They will take your case on a contingency basis and get paid from the money they collect from the debt collector. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at cjohnson@prucalhomes.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 805-208-0823.
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.
Thinking about a loan modification? Our Ventura County loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.
Thanks for reading this,
Chris B Johnson, Realtor
Chris is a Real Estate Agent at Prudential California Realty.
Phone: 805-208-0823. cjohnson@prucalhomes.com.
Certified HAFA Specialist, Certified Short Sale Specialist, Certified Distressed Property Expert
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View My homes for sale at www.ChrisBJohnsonRealtor.com.
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Always check with a good real estate attorney to find out the laws in your state. There are also legal aid non profits that can give you advice on what to do to stop a garnishment or bank account seizure. You should also look at California SB458. With the passage of SB458, the Expanded Anti-Deficiency Law May Have Unintended Consequences on Ventura County Short Sales. So Please read http://venturacountyshortsalerealtor.com/?p=948.
For Disclosure, and more information on Mortgage Assistance Relief Services, please see Code 16 of Federal Regulations (FTC), Part 322, or , http://www.ftc.gov/opa/2010/11/mars.shtm and always consult your CPA, Accountant, Financial Advisor and Attorney before you any financial or legal decisions. Also seehttp://venturacountyshortsalerealtor.com/?p=1066.
To Read More: Click here.
Loan Mod vs Short Sale Click here.
Hello Friend nice post your update and very helpful information.
ReplyDeleteAvoid Foreclosure