AZ HOA gone wild !

[justbroke]

You're right. Some HOAs, and smaller banks, seem to act with impunity. I love it when they get spanked by the Court.

[idainc]

And today - 18 months after discharge and 16 months after the trustee sale, we recieve a UPS Overnight mailing form the 1st mortgage lender looking to set up an appointment to discuss options to avoid foreclosure. I called the local office andd got the recording about an "attempt to collect a debt" etc. No dallar amounts mentioned but then again its safe to assume if you dont owe them money they dont send you these letters.

I'm tempted to threaten to re-open the case via certified mail perhaps subject to a consideration fee ?..... Thoughts ?

[BROKEDED]

DOOOOO IT!!! After all is said and done you can sell your story to Hollywood as a made for TV movie!

[justbroke]

Very strange. They think you still own the property? Have you checked the public record to see if it is in fact no longer in your name??

[idainc]

Thanks for replying. I was hoping you would. Yes, the property has been out of our name for a year. I called the number on the letter they sent and before getting a human heard a recording stating " This is an attempt to collect a debt". As this action would go to the same judge, I think I need to wait until I get one more piece of correspondence. This lender from past expereince is unusually hard to contact by mail so I feel a letter advising them of their error would be futile. I spoke to a person at the number they wanted me to call and advised the particulars and the consequences of ignoring the call. I was met with junk responses.

I will re-open again with ne more piece of mail.

My concern is cross collateralization. I have 5 accounts with them. And BTW - they sold the property for more than the loan and we received the excess proceeds this past week. The HELOC lender and HOA did not file a claim. KaChing !

[Drazil65]

Wow on all levels! Congrats!

[BROKEDED]

idainc - Any updates on this thread?

[idainc]

idainc - Any updates on this thread?

None yet. i sent them a certified letter telling them that they would their little fannies back in BK court if they didn't "cease and desist". That was around Christmas so we havne't had a response yet.

The loan has no cross collateralization clause from my reading of it. It's just soooo sloppy on their part. I also got a mailing about a program that will audit whether the foreclosure was done properly. That it was. So be it. Somebody had to take the $250,000.00 loss.

[oregonpilot]

their little fannies back in BK court.

I love your wording....good luck ida