I had a second mortgage that was originally with GMAC and after foreclosure it was sold to RCS Recovery Service in Florida and became a SOJL. They purchased it in Feb.2012 and have been calling me ever since and I have basically been ignoreing them off and on. Today they called my work, I was paged by the receptionist. How they found out where I work is beyond me. Anyways my original home was in Michigan I lost my job in 2008. Subsequently it took me until March 2010 to find this job in Wyoming. Over time I exhausted my saveing and could no longer pay rent here and house there so I lost it. I tried a short sale 3 times, but GMAC would never agree to it, so I lost it. Now with RCS Recovery owning it, what will there next move be? Should I send them a Cease and Disist letter? If they try to sue me, do I have to be served personally, or can they serve my wife who was not on the loan at anytime? Could it be done through Certified or Registered mail? What would my chances of being sued be? I have done a web search about this company and haven't found much at all. The only lawsuit were in there home state of Florida. Any advice would be greatly appreciated. Thank you for your time and patients.