Real time resolutions

[Miamifd]

I had a property that forclosed over 2 years ago.
The property had a 1st and 2nd with the 2nd being countrywide and then BOA.
Shortly after the forclousre it was sold to Real time resolutions and have received letters and phone calls to make payments.

My question to you all -
I spoke to them once, and they state that BOA still owns the loan and that they only service the loan - I stated that is not what the letters you send me state.
Additionally, after 2+ years i finally picked up and told them i was interested in settling - They requested a ton of information in which i did not have will not provide (financial) etc.

What are my next steps? They have sent letters stating they are going to hold my wages etc and that is what worries me.

Anyone have any success with these people?


thanks!

[Evan Bedard]

What are my next steps? They have sent letters stating they are going to hold my wages etc and that is what worries me.

Anyone have any success with these people?

Welcome to the community.

Going by your username I'm assuming your property was located in FL correct? Since FL is a recourse state there is the possibility of them filing a deficiency judgement once the foreclosure is finalized. If you have not done so already I would recommend consulting with a local real estate attorney to briefly go over your situation. You can find legitimate attorneys in your area using the link below.

National Association of Consumer Advocates | Consumer Protection Advocates and Attorneys - Help for Consumers

[Miamifd]

evan
thank you!
I have spoken to my lawyer. He helped me through the foreclosure process for this property and shortsale process on my other property.

He told me i should try to negotiate. That is when i actually picked up one of there calls and started talking with them. They stated they need all my financials etc before negotiating. If i didnt want to provide that, then 50% would be the starting point.

It has been 3 weeks since then, and i will not provide them my financials etc. I stated, worst case is i file BK.

thoughts?