Sue(posted 7589 days ago)I endorse what Mark says and in addition if you haven't asked them to prove the debt by providing all the relevant documents (see do's and don'ts, then you should consider SARNing them NOW) I will e mail you direct a copy of a SARN letter. You should SARN the lender and the current debt collecter and anyone else you think necessary.
If you want more help you need to tell us:
When you first defaulted. When the house was reposessed. When the house was sold. When and if you have admitted liability. When they first contacted you after reposession If there is an MJO for the shortfall (check your credit file).
Remember if you have no assets they can't take what you don't have. But don't put these details on the site...e mail us direct as the lenders read the site.
Debt collectors can't enter your home without a court order so you could call the police if anyone has the cheek to come to your door. If they do take their Registration number of their car and report them for a breach of the peace (as they are putting you in a state of fear or alalarm for asking for money for a debt you consider you are not liable for). Might seem petty but it will show you are not going to be intimidated.
Read the info on the site..print it off and take your time reading it ...you will feel more empowered once you know what you're dealing with.
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Moira