the person had sent my info to a atterny with first sending me a single bill

Very rude and vulgar to anyone who answers the phone. I have requested a validation of debit and are still waiting for it. They refuse to give any information about who they represent.

I set up some arrangements and wanted to stretch it out to the end of the month where I would be paid off.  I spoke with the first person and told her of my request.  She transferred, without warning, to someone named Stephen Fisher, who evidentially identified himself as VP of something.  Anyway, I reiterated my request to Mr. Fisher, who denied the request and in fact, called me a habitual abuser who was use to doing these types of things.  Needless to say, I was appalled and dismayed at this insults and arrogance.  I felt put off by his demeanor, but didn't know where I could complain.

A John Boyd called my husband at work and said we owed on a payday loan that we already had been scammed on before, in the past. This now makes the 3rd company to try and scam us out of money on this same account. I have now reported them to the military JAG office and they are investigating it. They will NOT get us again for this debt. It was paid once to a person who at the time we did not know was a scam artist.

THIS IS TO ALL YOU PEOPLE ON THIS FORMAT SO FCKN WHAT YOU PEOPLE OWE THIS MONEY YOU KNOW YOU OWE YOU SCAMMED THE ORIGINAL LENDER BY NOT PAYING THE MONEY BACK IF YOU TAKE SOMETHING AND YOU DONT PAY FOR IT YOU STOLE IT GET YOUR HEAD OUT OF YOUR ACES AND TAKE CARE OF YOUR RESPONSIBILITIES AND TO YOU MAJESTIC DOLPHIN YOUE ARE A FRUIT CAKE YOU MIGHT WANT TO TELL THE TRUTH HOW YOU WENT AROUND TRYING TO SCAM THE COMPANY YOU OWE MONEY TO YOU GAVE INFO TO THEM THENM DECIDED TO FIND OUT WHO THEY WERE IF YOU ASK ME YOU ARE THE IDIOT!!! PAY YOUR DMN OBLIGATIONS AND THEY WONT HAVE A REASON TO CALL!!!

I got a call at my job on March 28, 2008. The lady called and began threatening about a pay day loan that I owed money on. Two years ago, knowing nothing about pay day loans, I inquired about some of them, and was looking for a specific amount, but they could only give me a lot less. I declined to accept the money, but without my knowledge or consent they put the money in my account, then took it out two weeks later, plus some of my own money. I only found out about it, because a collection agency called me and there were over draft fees on my account. With this debt collection agency, I proved to them that I was not at fault and the case was closed. States Pre-disposition calls me about the same pay day loan, however they are calling it by another name. I checked the other name and my name of course is not anywhere to be found. I called them back and asked for there address. They gave me the UPS address. But something kept telling me not to give them my bank info. I instead googled them and found all of your information. I called them back and told them that they were fraudulent, the lady that was threatening me at first, started to tell me, just give her the information and they could close the case. I told her that I would rather go to court and expose them all. That is when she became quiet, and told her just to send the information andthe would close the case. I have filed a claim with the BBB, Federal Trade Commission, Consumer Regulatory Affairs, and FBI. I am going to contact the Georgia newspapers and their local television stations. I decided to fax them a letter to tell them to stop calling my work, told them when the original people got their money, but that I would give them no money whatsoever. They will be stopped!!!

they called me and told me I owed over 1300. dollars for a debt that has already been paid stating that it was turned over to them and that I faced fraud charges and had 72 hours to pay by credit card. They also called a couple of members of my family and told them I was going to jail. Unfortunately for them, I recorded the threatening phone call and called Ga. authorities. My cousin being a Ga. state trooper said they are investigating them now and are soon to issue warrants for their arrest. They are now in St Mary's, Ga.

UNLIKE THE MAJORITY OF YOU, I HAVE OWED THIS MONEY FROM PAYDAY LOANS FOR OVER TWO YEARS AND AM HAPPY TO HAVE THE OPPORTUNITY TO CLEAN THIS UP. THIS COMPANY IS A LEGITIMATE BUSINESS. WHAT THEY DO WITH THE $ I OWE IS REALLY IRRELEVENT. THE IMPORTANT ASPECT IS THAT I HAVE RECEIVED A DOCUMENTED RESOLUTION(PAYMENT)OF THIS DEBT. I HAVE ALREADY USED THIS PROOF OF PAYMENT TO SILENCE OTHERS FROM COLLECTING ON MY DEBT OR OTHERWISE HARASS ME. IT AMAZES ME THAT PEOPLE CAN BE SO INDIGNANT ABOUT THE METHODOLOGY OF COLLECTION OUTFITS WHEN THE BOTTOM LINE IS THAT "WE" OWE THE MONEY. BECAUSE THESE DEBTS ARE NOT REPORTED TO THE CREDIT BUREAUS DOES NOT MEAN THAT WE CAN STEAL MONEY OR ESCAPE RESPONSIBILITY FOR OUR OWN ACTIONS BY MISDIRECTING THE BLAME.

A women called saying she was from the State Disposition office and to avoid going to court, I needed to call her back at 888-724-4111.  When I asked what this was in regard to, she said I needed to call her back and she would let me know and what I needed to do in order to avoid going to court.

Same old story payday loan from 2006 .They called my job scared me to death I payed 260.00 to keep them from taking me to court. After discussing with a friend I relize they are scammers.The address and phone matches one of numbers here.I should have trusted my instincts.I have a fact letter from them stating who they are i insisted on it.They wanted me to go into Bank America and deposit a payment.Have you ever heard of such? A $260.00 lesson learned.guys name Kevin Gripes. STATES PRE-DISPOSTION Services 6586 highway 40 east ste.b-7 unit 340 st,marys Ga,31558 as of 3/18/09

I have been reading several things on this. I got a call at my job a few days ago. They say that I owed them over $500. I did not know who they were. They were really nasty with me. When one would not get thru to me she transfered me to someone else. Hillary at an ext 407.
She had told me that I owed back to October 2006. Now this is so stupid! She wanted the money right then and there. I have no idea on what is going on. She then proceeded to tell me that they would set up payment arrangements in the amount of $100 every two weeks.
I went that afternoon after I got off work and changed all my bank information. This woman even threatened to have me arrested for stolen money. Plus she went a step further. She threatened me with my job! Now that is pretty low.
I went to the sherrifs department to file a report. They said it was a civil matter and could not help me. But they are suppose to be giving me the number to someone I can call. This woman is giving two different stories. She told him that she was a pay day loan company in town. Gave the name of the company. I went to them, and they called her. She told them that she did not say that but she was an online pay day loan company. I do not do these things.

Has anyone gotten the proper number to call and report this so it will STOP![/i]
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Majestic, my suggestion would be to send them a letter requesting they validate this supposed debt. In the letter is a cease and desist with phone contact. I will post a link to a letter for you to use as a guide and then I will post what address and phone I can find for you. The letter is good becuase if they are a collection agency, this letter is legal and they have to follow the FDCPA. Sent the letter certified return receipt...and if they continue to contact you after they have the letter, you have a legal leg to stand on..

Link to the letter
http://www.debtconsolidationcare.com/forums/about216.html

Address:
States Pre-disposition Services, Inc.
Evelyn Jackson, President
1204 S 2nd St Ste F
Folkston, GA 31537-4305
Phone: (912) 276-9254

Call came from a Jamie Rose she states that I am a person of interest in her office but would not give a name of the business or what she was calling for. She was very rude and forceful in nature.

I received a call from Victoria Pagent telling me that if I didn't pay 763.90 today then I would have a case filed against me at my local court.  She would not tell me the amount I owed or borrowed from the payloan company in 2006.  Before sending the amount I decided to go online and reserach this company. They are so phony

I get a call at my work EVEY Day sometimes twice a day. From a Madison Lane (ext 410) asking for me or my legal attny to contact them. I work nights, so I never am here to get the call. I left a message that my attorney will not call them unless they identify themselves first. But they WILL NOT tell me what it is for!!

I got a call today from the same 404 number , a guy named "Anthony Lynch" told me that i needed to contact him immediately since i am listed as a person of interest in his office.  He gave the call back number 1-888-724-4111 and said to ask for division 407.  I am glad i googled this first because now i know that division 407 is just his way of attempting to scare someone into thinking they have committed a heinous crime.  It really is extension 407.  This is horrible, and I really would like to report them to someone.

My daughter received a call from these people today and I googled the number and came up with this website.  My husband decided to call them and act as if he were her lawyer.  Of course, they got all frazzled and the Karen person immediately transferred him to her manager.  The manager requested a letter of retainer, he said that he was not going to do that but he was pretty sure that they were a scam company and he was reporting them to our state's attorney's office.  This company is full of it.  Stay away from them.

888-724-4111
documented call wants me or leagal councel to return call/haha
dont have any debt or grounds to call back and wont give em time of day

A lady by the name of Victoria Pagent Called me from 404-000-3849;and said that I owed X amount for dollar for two out standing payday loans from 2006, She gave me the name of the 2 Payday loan companies and said if I did not pay 763.90 for both accounts I would be charged with Federal Funds and Gross Miss conduct of government funds(Which I found odd seeing as how the funds were not Federal of government to begin with). I took down all the information she gave me including the call back number, which was 1-888-724-4111. I did some poking around and, found out that a lot of people have been scamed by the. They get all of your information for the payday loans you have filled out in the past, they even sometimes call on ones you have already paid. I called back the number that had originally called me and of course it was no good. I then called the number that they gave to call and the woman who picked up the phone only said "How may I direct your call" Thank you for calling " Insert company name". I have no Doubt in my mind that this is a Scam, If you have any out standing bills and collectors are calling you ALWAYS, ask for something to be sent via mail.

I recently had basically the same experience as the rest of you (almost exact as Kims statement) with this company. Like most of you I have used online payday loans in the past and this is where there getting our info. The mailing address they use is a mailbox at a UPS Store in St. Mary's, GA. Their office is in another town. Hold your ground when dealing with these people, demand proof of debt through the mail. Swat teams do not storm your house for $500 payday loan debt. Do not give them access to your bank accounts. They don't want to talk when you question them. They will hang up and I'm sure not call back. They would not even tell me the amount I supposedly owed until I gave them 2 references. They have my current address, they can mail me something if they wish! Good Luck!

I received a call from the phone number 404-000-4321.  The man named Jason Jenkins stated that if I did not pay for this padday loan from 2006, I would be put in the system and sent to my local office for verification of my whereabouts.  I did take out a loan in 2006 but thought it was paid.  I no longer use that bank because the company kept withdrawing money from my account after it was paid.  They wanted 763.93 yesterday to make sure that there was no "disturbance at my place of business".  They threated and said that I could pay or not pay but I should get an attorney or face the Magistrate.  It was very strange.  I contacted the BBB and they asked me to contact the Federal Trade Commission. I did this and they filed a complaint.  They were positive it was phony, but you know it is enough to scare the honest person when they are used to paying all their bills.  Did this happen to anyone else?

A woman named Karen Hoyt called my parents house (where I haven't lived in 10 years) stating that I or my legal counsel needs to call immediately.  I called this morning and she states that I owe money to some payday loan company from back in 2004.  She couldn't give me specifics.  I asked her to send me information on the debt.  She faxed me a letter from her company stating that I owe this money, no information from the original creditor (supposed creditor).  
The name and address of the company (off of the letter she faxed me):
States Pre-Disposition Services Inc
6586 HWY 40 E Ste B-7 Unit 340
St. Mary's, GA 31558

This person called my place of business this morning which is a Federal Agency harrassing me.  I called the number back and a guy answered the phone hello.  If you're a place of business you donot answer the phone hello.

The REAL Kathleen Kerr is a Family Law/Divorce attorney out of Woodstock, Georgia.  I would suggest anyone receiving a call contact her and inform her of this company using her identity.  She does have a website that you can contact her through.  This company is one of the six being prosecuted in Florida and is now being investigated in Georgia for fleeing to avoid prosecution.  Contact the Georgia Attorney General. The more information they have the sooner they can shut them down.

My husband received a call from Kathleen Kerr that said she worked for State Dispostion Services and that if we did not pay so much money for a debt we would be arrested in one hour. She was very rude and nasty. Lets catch these horrible people.

The idiots withdrew money out of my account without prior consent. They are very rude and unprofessional.

Very nasty lady--not professional at all.  They are not allowed to contact you at your workplace after you have repeatly ask them not to do so.  As soon as I mentioned my lawyer they stopped the harrassment.....................they are phony.

the person had sent my info to a atterny without first sending me a single bill

CaliforniaLoanrate.com
Judicial Foreclosure

The judicial process of foreclosure, which involves filing a lawsuit to obtain a court order to foreclose, is used when no power of sale is present in the mortgage or deed of trust. Generally, after the court declares a foreclosure, your home will be auctioned off to the highest bidder.

Using this type of foreclosure process, lenders may seek a deficiency judgment and under certain circumstances, the borrower may have up to one (1) year to redeem the property.

Non-Judicial Foreclosure

The non-judicial process of foreclosure is used when a power of sale clause exists in a mortgage or deed of trust. A "power of sale" clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default. In deeds of trust or mortgages where a power of sale exists, the power given to the lender to sell the property may be executed by the lender or their representative, typically referred to as the trustee. Regulations for this type of foreclosure process are outlined below in the "Power of Sale Foreclosure Guidelines".

Power of Sale Foreclosure Guidelines

If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the non-judicial power of sale foreclosure is carried out as follows:
A notice of sale must be: 1) recorded in the county where the property is located at least fourteen (14) days prior to the sale; 2) mailed by certified, return receipt requested, to the borrower at least twenty (20) days before the sale; 3) posted on the property itself at least twenty (20) days before the sale; and 4) posted in one (1) public place in the county where the property is to be sold.
The notice of sale must contain the time and location of the foreclosure sale, as well as the property address, the trustee's name, address and phone number and a statement that the property will be sold at auction.

The borrower has up until five days before the foreclosure sale to cure the default and stop the process.
The sale may be held on any business day between the hours of 9:00 am and 5:00 pm and must take place at the location specified in the notice of sale. The trustee may require proof of the bidders ability to pay their full bid amount. Anyone may bid at the sale, which must be made at public auction to the highest bidder. If necessary, the sale may be postponed by announcement at the time and location of the original foreclosure sale.

Lenders may not seek a deficiency judgment after a non-judicial foreclosure sale and the borrower has no rights of redemption..</a>


CalifoniaLoanRate.com

Things To Know And FAQ's About Loan Modification
These are common questions that are asked about Loan Modifications or Mortgage Modification
1. What Is A Loan Modification?
A Loan Modification is a negotiation between a lender and a borrower that results in the terms of the existing loan being restructured without refinancing. The rate and terms of your loan are restructured to fit your current financial situation.
2. How do you do It?
In these market conditions, the banks and lenders have been mandated by the Federal government to do everything they can to work out a payment plan with their borrowers. This is great for today's borrowers, especially for those who are running late on their payments or are having trouble making them on time. The banks and lenders would rather take less money and keep you in your home making a payment that you can afford, rather than go through the expense foreclosing on the home, hiring a listing agent, rehabilitating a home, and letting it sit empty on the market for months, only to lose thousands in the process. We currently work with almost every major lender and several small lenders and banks to secure a Loan Modification to help them help you. In many cases we actually have taught smaller banks and lenders how to go about completing a Loan Modification. Within 24 hours after receiving your package, our legal team will contact your lender to notify them that they will be negotiating a Loan Modification on your behalf. From then on, they will be working with you and your lender in order to find a solution to your mortgage problems.
3. Are lenders and banks really willing to negotiate?
Definitely! Lenders do not want to foreclose on your home, unless they have no other alternative. If you can present them with a realistic professional proposal that makes sense, they are very open and receptive to the Loan Modification process.
4. Who qualifies for a Loan Modification?
Anyone who can prove they are having a tough time. Especially those who are currently a few months behind, those with negative amortizing loans, those with loans that are about to adjust, those who are upside down on their loan and those who would rather keep their home than do a short sale.
Basically, the bigger the hardship you are having, the more negotiating power you have with your lender. Remember, they don't want to foreclose on you. They would rather keep you in your home and create a solution that will be affordable to you rather than go through the cost and expense of foreclosing on your property.
5. Why didn't my mortgage lender tell me about this?
Your mortgage lender is in the business of originating and/or servicing loans. Modification of existing loans and foreclosures are simply a result of being in the business they are in and, as such, they aren't a priority for the mortgage lender.
This program is not that costly and quite frankly, they are so busy dealing with other homeowners who are already going through tough times, that they don't have time to deal with your situation.
6. Why should I choose a Loan Modification?
If you are having trouble and behind on your payments you have several different options to fix your problem.
Reinstatement Plan - Where your lender will reinstate the original terms of your loan once you are caught up.
Repayment Plan - Where your lender will tack on an extra amount onto each payment for a set period of time.
Loan Modification - Where you negotiate a restructure of your current loan terms without
refinancing.
Loan Refinance - Refinancing may be an option if you have the equity and credit required.
Forbearance Agreement - Where your lender negotiates a repayment plan and may force you to list your home for sale.
Short Sale - You sell your property for less than you owe but your lender accepts it as payment in full.
Pre-Foreclosure Sale - You agree to sell your property before foreclosure takes place.
(requires equity).
Deed-in-Lieu of Foreclosure - You agree to sign your property back over to your bank and walk away.
Bankruptcy - You have to file bankruptcy to protect yourself, but if you miss one payment you will be right back in foreclosure.
A Loan Modification is a good solution if you cannot refinance, are behind on your payment or struggling to make your payments, have experienced a genuine hardship, and you want to stay in your home.
A Loan Modification is a permanent solution to your situation and is not meant to be used as a temporary stop to the foreclosure process.
7. Can I negotiate a Loan Modification myself?
In short, yes you can. You can contact your lender or your bank and see about going through the process of Loan Modification.
But, keep in mind that your bank has their best interest at heart. They neither have the time nor the inclination to hear about what troubles you might be experiencing. What usually occurs is that the bank will negotiate an agreement that helps them, but still leaves you with only a temporary solution.
This also takes many hours of communication and back and forth information exchanges in order to accomplish. It is not easy to complete on your own and the outcome may not be favorable to you. When you contact the bank, they will ask for a "hardship letter" from you. When they receive that letter, they will usually tell you that they will get back to you in about 8 weeks. By the time you get back with them, or if you are lucky enough to get a call from them, you're already in worse shape than when you first started negotiation.
8. How Come You Have More Success?
Our attorneys have been doing hundreds of Loan Modifications every month, working with virtually every bank and lender. They have open lines of communication with most lenders, which gives them the ability to negotiate directly with the person who is in charge of making a decision on your loan.
We also create a professional legal file on your behalf which includes all of your financial data such as income, assets, expenses, and unexpected intangible expenses. They couple this with a full property analysis and package this together in a file that makes it easy for the lender to read and understand, allowing for a more comprehensive and quicker response than you would get through other forms of negotiation.
9. How much does it cost?
The costs associated with an attorney based Loan Modification will vary depending on the value of your property, the type of loan, the lender, and the number of loans held against our property.
The modification cost usually comes close to equaling the same as about one month's mortgage payment. Since every Loan Modification is different, it requires a varied amount of negotiation. After your initial application is reviewed and if the attorneys accept your case, your Loan Modification representative can help determine what the exact cost of your Loan Modification will be.
Our primary goal is helping homeowners who want to keep their homes, find a beneficial solution for their situation. We will work with you to ensure that we can obtain an affordable solution for your Loan Modification needs.
10. What do you need from me to get started?
If our attorneys believe they can help you and accept your case, then we will need to submit a complete Loan Modification file that outlines your current financial situation.
They will contact you directly if other paperwork is required by the lender in order to negotiate a successful Loan Modification. They will also determine the current value of your property and put together a professional proposal for your lender.
11. What makes you different from other companies?
We are not a store front Loan Modification company, but a service provider helping you find the right legal representation needed to negotiate on your behalf. Loss mitigation departments at major banks and lenders give much more credence to modification proposals submitted by attorneys. Maybe it is fear of a lawsuit if they do not negotiate in good faith, but banks and lenders are much more responsive to attorneys than they would be with the actual homeowner or other third party negotiator.
12. Will I have to meet with my lender or deal with any of their paperwork?
Absolutely not. We take care of all the paperwork and all of the negotiating on your behalf.
13. How long does the process usually take?
It can be completed in as little as five days but usually takes from 5 - 12 weeks depending on the lender, type of loan, and individual situation.
14. What paperwork do I need to complete the process?
We provide you with a complete list of the documents the attorney will need in the file to complete the process and will help prepare the file. Of course, no legal representation can begin until counsel has been properly retained and you have given written authorization to proceed.
After we receive these items from you, we can begin your Loan Modification process.
Please contact us with any other questions or concerns. Remember that time is not on your side, so if you are having problems or struggling to keep up with rising mortgage payments, don't delay and call us immediately for a free and confidential consultation.
We want to help you keep your home, period.
15. By utilizing the Loan Modification option to bring an asset current, can the mortgagee include all fees and corporate advances?
Mortgagee Letter 00-05, page 21, paragraph F, "Allowable Provisions" states: "All or a portion of the PITI arrearage (principle, interest, Taxes and Insurance) may be capitalized to the mortgage balance. Foreclosure costs, late fees and other administrative expenses may not be capitalized.
16. Does the repayment plan have to be completed prior to completing the Loan Modification documents, or can the mortgagee attach the plan once the option has been completed?
It is a mortgagee decision as to when to complete the repayment plan for outstanding fees, costs and administrative expenses.
17. When utilizing a Loan Modification option, can a mortgagee capitalize an escrow advance for Homeowner's Association fees?
HUD Handbook 4330.1 REV-5, Paragraph 2-1, Section B, Escrow Obligations states:
Mortgagees must also escrow funds for those items which, if not paid, would create liens on the property positioned ahead of the FHA-insured mortgage.
18. Will HUD subordinate a Partial Claim, should a mortgagor subsequently default and qualify for a Loan Modification?
If a mortgagor subsequently defaults and qualifies for a Loan Modification, HUD will
subordinate the Partial Claim.
19. When an asset is modified is the homeowner eligible for the upfront premium refund at payoff of the loan?
It depends upon when the closing date occurred. For assets closed: After July 1, 1991 but before January 1, 2001, the 7-year unearned premium refund schedule shown in Mortgagee Letter 1994-1 remains in effect. On or after January 1, 2001 that are subsequently refinanced, the 5-year refund schedule shown in the attachment of Mortgagee Letter 2000-46 applies. On or after December 8, 2004, refunds of upfront MIP are eliminated except, when the mortgagor refinances to another FHA insured mortgage. The refund schedule attached to Mortgagee Letter 2005-03 has been modified to a 3-year period.
20. Can a mortgagee qualify an asset for the Loan Modification option when the mortgagor is unemployed, the spouse is employed, but the spouse name is not on the mortgage?
The mortgagee should consult with their legal counsel to determine the legality and validity of such a mortgage instrument.
21. I'm unemployed. My spouse does have a job, but her name isn't on the mortgage. Can I qualify for a Loan Modification?
This isn't a simple question that can be answered "yes" or "no". What typically happens in situations like this is that the mortgagee - your lender - will conduct a financial review of your household income and expenses to determine if the spouse's income is sufficient to meet the new modified mortgage payment, but insufficient to pay back the arrears. Once this process has been completed your lender will then get together with their legal counsel to determine if you're eligible for a Loan Modification, since the spouse is not on the original mortgage.
22. Are there any guarantees on the outcome of my Loan Modification?
It would be impossible for us to guarantee that some other entity (the lender) will do what we suggest that they do. We can say we have a VERY high success rate in obtaining
modifications for our past clients. If no modification is achieved, then you get some or all of your retainer back.
23. How does Loan Modification affect my credit?
If we are successful in obtaining a modification for you, the loan will, from that point forward, be reported as being paid as agreed. Assuming you make all of your payments on time, you may see your credit begin to get better over time. Obtaining a Loan Modification is the least damaging to your credit when compared with a short sale or a foreclosure.
24. Will having a Loan Modification affect my taxes?
We are not CPA's or enrolled agents and therefore can't offer you tax advice. We suggest
you check with your tax professional.
25. Do I have to be behind on my mortgage to qualify?
No. Although falling behind on your mortgage payments is an obvious indicator of financial hardship. Some clients are forced use reserves or credit cards to keep there mortgage payments current. In this situation it is only a matter of time before they fall behind. If an obvious fanatical hardship exists a modification may be possible although the payments are current.
26. Do I have to owe more than my house is worth to qualify?
No. The basic formula is to have less than 20% equity in your home. The less equity you have in your home, the more the investor stands to lose in a foreclosure situation. If you
have negative equity, that is even more incentive for your lender to work with us.
27. Can I have my 1st and 2nd mortgage combined?
Yes. In some cases where the first and seconded mortgage are with the same investor that investor may elect to combine both mortgages into one. Keep in mind if the investors are
different a combined mortgage outcome is VERY unlikely.
28. I'm about to or already filed for bankruptcy, is it too late?
No. If you are currently in bankruptcy and your property is not included in your bankruptcy and you meet all other qualifications you are eligible immediately. If your property is included in your bankruptcy you may be able to ask your bankruptcy attorney to remove it from the bankruptcy. Keep in mind your bankruptcy attorney may charge an additional fee for service to pull the property out of your bankruptcy.
29. I already have a sale date for my home, can I still save my home?
Yes. Traditionally we need a minimum of ten days prior to the sale date to be able to achieve a postponement of the sale. In some cases we are able to postpone the sale as late
as the day before..</a>

April 7, 2008: "Attorney General Obtains $1.3 Million Judgment Against Jacksonville Debt Collector"  http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6

Bud Hibbs maintains that there's a connection between Ted Ellis Crosby's collection scam and Evelyn and Frank Jackson's Bass Prelitigation/States Predisposition scams (see http://budhibbs.com/debtcollectorpages/ellis_crosby_and_associates.htm)  So it's interesting that reports posted on 800Notes about phone numbers associated with the States Predisposition scam are suddenly few and far between since this April 7 announcement of the $1.3 million judgment against Crosby in Florida.

Coincidence?

Here's the text of the Florida Attorney General's news release:

>>Attorney General Bill McCollum News Release
April 7, 2008

Attorney General Obtains $1.3 Million Judgment Against Jacksonville Debt Collector

TALLAHASSEE, FL ? Attorney General Bill McCollum today announced that a Jacksonville resident and his debt collection agency have been ordered to pay $1.3 million in restitution and civil penalties for violations of Florida and Federal collections laws. Ted Ellis Crosby, individually and in his capacity as owner and director of Ellis Crosby & Associates, was found to have engaged in willful violations of Florida?s Deceptive and Unfair Business Practices Act and Florida?s Consumer Collections Practices Act. The case was litigated by the Attorney General?s Economic Crimes division.

?This case should put similar operations on notice that the penalties for such deceptive business practices can be very costly,? said Attorney General McCollum. ?Florida authorities will not tolerate unscrupulous individuals who victimize our citizens in potentially difficult financial situations.?

The Attorney General?s lawsuit, filed in June August 2005, alleged that Crosby and his company used deceptive practices in an attempt to scare, harass and intimidate debtors into paying amounts far in excess of their debts. Testimony from victims and witnesses revealed that Crosby and company used tactics such as posing as law enforcement officers, threatening seizure of property, and even threatening bodily harm. More than 380 victims filed complaints with the Attorney General?s office.

Duval Circuit Court Judge L. Haldane Taylor ordered Crosby and his company to pay $388,000 in consumer restitution, $700,000 in fines for violating the Florida Deceptive and Unfair Business Practices Act, and $253,000 in fees and costs, totaling more than $1.3 million. The Judge also entered a permanent injunction which prohibits Crosby and his company from engaging in any activity within the State of Florida which is related in any way to the ownership, processing, administration or collection of consumer debts.

More information about protecting yourself from improper debt collection tactics is available online at: http://myfloridalegal.com/pages.nsf/main/7cd1 ... d6!OpenDocument.

A copy of the judgment against Crosby is available online at: http://myfloridalegal.com/webfiles.nsf/WF/KGR ... sbyJudgment.pdf. <<