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Stupid Debtor Trick #692

So, you go to sell your house, and you find out there's a lien on the property from an eight-year-old judgment your wife (to whom you were not married at the time) has heretofore failed to mention. Do you:

(a) Call the original creditor and claim that the owner of the collection agency told you the $7K+ debt was settled for $550

(b) Call the collection agency and claim that the original creditor told you it was settled

(c) Call the attorney who filed the lawsuit and tell them that the OWNER of the collection agency, by name (who never talks to debtors and had no idea what was going on), told you it was settled

(d) Call the original creditor AGAIN and threaten to report them to the regulatory agency that governs their industry, then fax your alleged settlement letter to them

(e) Fax same alleged settlement letter to attorney, then hang up in a huff when they ask you to produce the original letter and/or a receipt for the money order it supposedly acknowledges

(f) Hang up on the attorney AGAIN when he asks you why, since the so very very forged settlement letter is dated June 1997, did this never come up when suit was filed in September 1997 and judgment entered in early 1998?

(g) Call the original creditor AGAIN and insist that the collection agency told you it was taken care of

(h) Call the collection agency and cuss out their receptionist when she informs you only the attorney will discuss it, claiming that you already talked to the attorney and he's pissed off at the collection agency and thinks "this is all nonsense" (I suspect Receptionist paraphrased that last word when recounting the conversation to me...)

(i) Leave a voicemail for the attorney claiming AGAIN that the collection agency told you yes, the matter is settled, and he can release the lien

(j) Repeat various steps above as needed and with variations, despite the fact that the attorney has told you repeatedly that there is no evidence whatsoever of this supposed settlement in the records of the original creditor, the collection agency, OR the attorney

(k) All of the above, in approximately (but not necessarily exactly) that order

I'm just agog that this guy thinks any of this will work. He just keeps digging himself in deeper and deeper. Apparently he thinks we don't talk to each other. Or that this is seventh grade and we will buy it when he says "So-and-so said such-and-such behind your back."

On the remote outside chance that the letter they faxed is not a flat-out forgery, but the result of a clerical error (i.e. should have been sent out on another file)? They still can't prove that they sent the money order it mentions. Because they DIDN'T. This is what they're trying to hold up against a judgment lien that's been on record for EIGHT YEARS.

All these shenanigans, needless to say, have completely obliterated any inclination the client might have had to settle for anything less than the full judgment amount plus interest, as provided to the closing attorney (who requested a payoff figure). Which is, to date, just north of SEVENTEEN THOUSAND DOLLARS. And they're amusing the hell out of our attorney who's like, "We have the lien. We're in the driver's seat. There's absolutely no reason to be lenient."

Apparently someone didn't learn when he was six that lies on top of lies on top of lies just makes it worse...


( 9 comments — Leave a comment )
Jun. 19th, 2006 04:47 pm (UTC)
*shakes head* Humans. Go fig.
Jun. 19th, 2006 04:49 pm (UTC)
I'm just in awe of the level of chutzpah and/or delusion involved here. I desperately want to ask him "Dude, what are you smoking and why aren't you sharing???"
Jun. 19th, 2006 05:03 pm (UTC)
This is such an awesome stragagey... do you think I should try it with my morgage comapny. No I'm not behind, but it looks like so much fun.
Jun. 19th, 2006 05:27 pm (UTC)
I think it may actually be MORE fun for us. It's way more entertaining than what I should have been doing with the ~2 hours I've spent on the with the client and the attorney over the past week. (Not counting the time spent giggling over it with coworkers.)

The downside, of course, is that what I should have been doing with that time still needs done...
Jun. 19th, 2006 04:48 pm (UTC)

You're right.

Who needs TV?
Jun. 19th, 2006 04:50 pm (UTC)
Word. You can't make this stuff up. *shakes head in disbelief*
Jun. 19th, 2006 06:21 pm (UTC)
I suppose, on the bright side, there's not all that much collateral damage. As in some innocent bystander losing their house.

Who was it who said that inconvenient facts don't like to be ignored or bent?
Jun. 20th, 2006 08:40 am (UTC)
You have *got* to be kidding me. ::brain boggles::

Someone missed his seat on the logic train...
Jun. 20th, 2006 11:27 am (UTC)
LOL!!! Now THAT's persistant stupidity!!! :D
( 9 comments — Leave a comment )


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