How can the IRS legally assume the collection for a mortgage lender???

reply to post by boondock-saint

I wonder if the mortgage lender gave them
this private info and labeled it as 3rd party
transfer of information. How did ctr get my info ???

I'll bet the mortgage lender sold that info to them
just like companies sells their e-mail list to
spammers.

Foreclosures are a matter of pulic record. They auction houses off on the courthouse steps after posting foreclosures in the paper.

Collection hounds send smurfs to the courthouse to obtain the new filings on a daily or at least bi-weekly basis. Kind of along the same thing as ambulance chasers, except just with foreclosures.

reply to post by ANNED


Making mail appear to be from the IRS is illegal, and should be reported. It is an unfair debt collection practice, meant to instill fear, which it apperently did.

www.fraudguides.com...

According to this website, the IRS *has* hired outside collection agencies to collect debt. There are some very strict guidelines they use, however. If in doubt, call the IRS: 800-829-1040


NCO is huge trouble. They have been sued numerous times for their bad debt collection practices.

They send bills out that people did not aquire, demanding payment, and call you 15-20 times a day.

I got a letter from them for a visit to a Dr. in a town I have never been in before.

On the letter, it states something along the lines of, "If you dispute this debt, please notify this office in writing within 30 days.. Failure to respond confirms this is a legitimate debt."

Well, I did respond. I typed out a letter that stated I did not own this debt, that I had never been to that town, and demanded that they show me proof of the debt. I mailed it in normal mail, I sent it Certified, return receipt requested, AND I faxed it, so there could be *no* claims I never sent it to them.

Sure enough, without about 10 days, I got a letter of apology, and not to worry, the debt was an error, thanks for your time.

See, they do this so people get scared and send them the money to get them off their backs. People have no idea what debt they really owe, so they try to settle it because the constant phone and mail harrassment is horrible. Usually, the debts are smallish, 500-700 dollars. Most people just pay them without question, because who doesn't have a 500-700 debt that may have slipped through?

All in all, NCO are scum of the earth for their practices like this, preying on people and playing on fear.

The problem is, if you *ignore* it, by law, you are stating you own the debt. By responding, as I did, and demanding the proof of the debt, they have no recourse but to back off. If you get something from NCO, confront them on it.

I cannot stress it enough, if you hear from these people, do not speak to them on the phone, use MAIL ONLY.



nco-financial-systems.pissedconsumer.com...

www.ethannonsequitur.com...

Apart from having to pay $1.5 million to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act (FCRA), there are also many many claims of state and federal violations of legislation like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).

www.ftc.gov...

NCO Group to Pay Largest FCRA Civil Penalty to Date
One of the nation’s largest debt-collection firms will pay $1.5 million to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act (FCRA) by reporting inaccurate information about consumer accounts to credit bureaus.

Originally posted by boondock-saint

its weird u mention that.
the phone number listed
on that letter was 888-552-3897.
I did an internet search for that
number and came up empty.
The letter came from a Dallas Tx
address and I could not find an IRS
location in Dallas TX.

Hey boon... I wouldn't stress that letter...I think it's a scam. The Dallas local office is 1100 Commerce Street, Dallas, TX 75242 phone (214) 413-6010 and they would not be responsible for handling your case. If you live where I think you live, communication from the IRS would come out of either Kansas City, MO, Atlanta, GA, Charlotte, NC or Hartford, CT. From previous experience with the Income Redistributing Socialist I can tell you that letters originate from your local field office or where you pay your taxes.

I would call the 888 number and tell them to piss off.

Originally posted by boondock-saint

Originally posted by mike_trivisonno
Make sure it is legitimate.
If necessary call the IRS.
It might be a scam letter
that only looks like it is
from the IRS.

its weird u mention that.
the phone number listed
on that letter was 888-552-3897.
I did an internet search for that
number and came up empty.
The letter came from a Dallas Tx
address and I could not find an IRS
location in Dallas TX.

Is this a scam letter by the
mortgage lender ???
they are the only ones
who knew how much the
mortgage was ???????

plz boondock don't be so naive as to think that the only one that has your acct info is the bank. in this day and age of readily accessed info anyone could have found the amount and typed up a bogus letter and sent it out thinking that you would be scared enough to send in the $...

Well bud, it sounds like you are being scammed.The hope is that this is a criminal act, and you may be able to collect some compensation at least for pain and suffering(not to mention insult to injury)

I hope for you that these criminal scum are liable.
Try to relax about it, as it apears that you dont owe them .(but how would i know?)
They say you cant get blood from a turnip, and these unscrupulous bustards need to get their comeuppance.
We are all with you on this......many of us in similar situations.( I lost my home in like cicumstances)If these vampires are laible, then there is probably a few more here who could use the info.....
God bless......
s

Originally posted by Libertygal
Making mail appear to be from the IRS is illegal, and should be reported. It is an unfair debt collection practice, meant to instill fear, which it apparently did.

well much to my dismay
the local TV station wasn't
interested.

"CTR Tax Relief" I believe is a scam, or worse. I received mailing from them initially a couple of weeks ago - it said that I owe some $20,000 in taxes (I don't) and that they could help me.
The "return address" said "Dallas TX, Official Business, Penalty for private Use $300."
which definitely makes it seem like they are a government agency.

However, when opened, turns out it is "CTR Tax Relief" a private company.

Then I received another letter from them, saying, " It has come to our attention that the 3rd party we use to gather public tax lien information provided your information in ERROR".

I think this is fraudulent.

ellenr

Originally posted by boondock-saintbest I can figure right now it's one of 2 scenarios.

1) The mortgage lender sold out the remaining mortgage debt
to the IRS or a government entity. Which stinks to high heaven.

2) It is a scam by the mortgage lender to scare me into
paying off this debt whereas they just make it look like
a letter from the IRS. Which in my opinion is fraud
on the part of the mortgage lender.

Hi, didn't read the entire thread so forgive me if this has been said; however, did you get an FHA, HUD, or VA insured type loan on the original property?

If so you might be liable for the difference between what the original mortgage was and the resale price from the lender.

If this is an intimidation tactic by a collection agency or third party to the debt you need to contact the BBB because they can't make their correspondence look like its official government business.

However, this wouldn't be a first - make sure and read up the Fair Debt Collection Act and know your rights.

Many places have free legal assistance for people in financial need - like a 1-800 number in your area. Likely you can send them the document and get a 30 minute consult for free. Most lawyers would love to sue these deep pocket collectors.

If it's the IRS call the fat guy Patrick Cox/Ronnie Deutche (or something like that) from TV it’s a free consult no matter what. If it’s legit you can at least find out..

Honestly if your house has bee forclosed you don't have much to lose by filing bankrupcy - it won't be much more detremental to your rating than a(n) volentary/involentary forclosure. If it's legit just do that - a lot of lawyers will do a bankrupcy for 1k or so in installments.

Yes, in some cases (not all) you can get an IRS debt written off by bankrupcy, If I recall the instances not allowed are wilfully not paying taxes or fraud not simple and honest inability to pay.

Originally posted by boondock-saint

Originally posted by mike_trivisonno
Make sure it is legitimate.
If necessary call the IRS.
It might be a scam letter
that only looks like it is
from the IRS.

its weird u mention that.
the phone number listed
on that letter was 888-552-3897.
I did an internet search for that
number and came up empty.
The letter came from a Dallas Tx
address and I could not find an IRS
location in Dallas TX.

Is this a scam letter by the
mortgage lender ???
they are the only ones
who knew how much the
mortgage was ???????

I would check into that further. They may be pulling a fraud on you...I had a collection agency years ago send me a letter with a fake law firm on the letter head.....Didn't take long to burn them off...Better Business Bureau works sometimes....Threatening to turn it over to the law works every time.

reply to post by boondock-saint


If that what it says, it is just a marketing piece. Not to worry. I recieved one about 6 weeks ago and last week got a follow-up that it was sent in error.

However, you and anyone else who was foreclosed or walked away from their homes with an upside down balance will be getting tax bills for the difference of what was owed and what the banks recovered. Probably the only way out if it for most is personal bankruptcy (I.E. The Fresh Start Legislation) or a long term identure to the IRS. .

I would argue that the house was full collateral for the loan but am unsure how far that will get you.