mortgage company sent me bill for insurance binder

[brokeinal]

We were discharged on 5/5. Home is in foreclosure, was scheduled to be sold on 5/16. We moved out on 4/30 and when we applied for renter's insurance, agent notified us that they had to cancel insurance on the house b/c it would be vacant and advised that the insurance company would cover it under their umbrella policy. Fine.

Mortgage company (WF) moved the auction from 5/16 to 6/20. I get a bill in the mail today for a 90 day insurance binder (through the insurance division also owned by WF) since I've left the insurance lapse on my home (ironically, it also included a generic flyer advertising how important I am and how much they wanted to help me refinance and keep my home). The bill is for almost $200. Am I obligated to pay this? Is this a case of one hand not knowing what the other is doing (whoever watches insurance not realizing/caring/knowing that we filed bk and the house is about to be auctioned)? Any advice?

[tobee43]

if you included the house in the bk and listed and surrendered the house...the bank is SOL...and if they continue to bill you, i would advise them you are going to file a complaint with the FTC and the Office of the Comptroller of the Currency. and, while your at it i would call the atty who handled your account, since the bank is NOT allowed to attempt a debt that has been discharged and that insurance for the house is the banks problem not yours. i know when we vacated our house...the house immediately went under an umbrella insurance policy that the bank held, since the bank now had the house.

I would give them a friendly reminder call, and tell them if they ever contact you again, you will file the complaint and ask for damages. (that's what i would do). someone else may chime in with other advise and hope they do so you have a few choices.

best of luck! and, although, i know it's hard, try not to worry about it.