statute of limitations on foreclosure

I am currently living in Texas, but the foreclosure happened in Florida.

My home was foreclosured in Florida on 2/98. Here recently a lawyer started calling me saying I owed $40,000 dollars on the foreclosure. I told him he was crazy I knew the house sold in 99. I lived next door to it and no one every contacted me about it. I never changed P.O. Boxes untill I moved to Texas in 2000. I told him I was not paying it. He continues to call the house, but I avoid him. From what I've read on the forms is it true this is past the SOL? Even if the company that originally had the note sold out? Should I send him a validations and cease and desist letter?

Thanks,
Kim

[HomeGuru]

Originally posted by YroseTX
I am currently living in Texas, but the foreclosure happened in Florida.

My home was foreclosured in Florida on 2/98. Here recently a lawyer started calling me saying I owed $40,000 dollars on the foreclosure. I told him he was crazy I knew the house sold in 99. I lived next door to it and no one every contacted me about it. I never changed P.O. Boxes untill I moved to Texas in 2000. I told him I was not paying it. He continues to call the house, but I avoid him. From what I've read on the forms is it true this is past the SOL? Even if the company that originally had the note sold out? Should I send him a validations and cease and desist letter?

Thanks,
Kim

**A: you owe the money, Honey.

Why do you say I owe? Can u please tell me more? I really need the help. I read the SOL in Florida is 5 yrs does that not apply to foreclosures?

Thanks,
Kim

[HomeGuru]

[quote]Originally posted by YroseTX
[b]Why do you say I owe?

**A: why do you say you do not owe? What happened after the foreclosure and the home was sold a tless that the mortgage amount?
*********

Can u please tell me more?

**A: Can u please tell us more? What is the story about the foreclosure sale and the deficiency judgement against you? Do you know what this amount is?

*********
I really need the help. I read the SOL in Florida is 5 yrs does that not apply to foreclosures?

Thanks,
Kim

**A: you need to find out the complete story, and as of this date, you do not know it since you abandoned the property and did not keep in contact with your mortgage lender or the foreclosing attorney.

Hi,
As for the date I'm going by when it went on my credit report. The new neighbors said they payed 79,000.00 for the house. the original loan was for 89,000.00 and I payed for 5 yrs before my husband died. They said I owed 40,000.00. This house was worth 130,000.00. Should I actually talk to the lawyer and get his name, company, address and send a validation letter?

Thanks,
YroseTX

[HomeGuru]

Originally posted by YroseTX
Hi,
As for the date I'm going by when it went on my credit report. The new neighbors said they payed 79,000.00 for the house. the original loan was for 89,000.00 and I payed for 5 yrs before my husband died. They said I owed 40,000.00. This house was worth 130,000.00. Should I actually talk to the lawyer and get his name, company, address and send a validation letter?

Thanks,
YroseTX

**A: you need to get a hold of the actual court filed judgement papers.

Hi,
I want to thank you for all the help your giving me. How can I go about getting a copy of the judgement? Shouldn't I be able to get one thourgh the courts or county records?

Thanks,
YroseTX

call the county court in Florida where the case was heard (where you lived) and ask what the fee would be to have a copy of the judgement mailed to you. Also ask for the case number since you'll need to reference that in the following:

Then send them the money and a letter explaining what case you want.

It's that simple.

Hi,
I was able to get a copy of the judgement, via the county's web site...great stuff the internet!! The jugdement was for $89,844.79 then I called the tax office and found the house sold for $65,000.00 to the new owners. Does this come off the amount? If so, can it accumulate interest. The guy calling said $40,000.00 was owed. I also still have the question of SOL was the judgement it or can the lien something else I own. The judgement was filed 2/98.

Thanks,
YroseTX

[HomeGuru]

Originally posted by YroseTX
Hi,
I was able to get a copy of the judgement, via the county's web site...great stuff the internet!! The jugdement was for $89,844.79 then I called the tax office and found the house sold for $65,000.00 to the new owners. Does this come off the amount? If so, can it accumulate interest. The guy calling said $40,000.00 was owed. I also still have the question of SOL was the judgement it or can the lien something else I own. The judgement was filed 2/98.

Thanks,
YroseTX

**A: ask the guy to send you in writing documentation that supports their claim of $40K.

Hi,
Because of the way this is going should I send a validation letter? Also I'm on SS disability, even if it's $24,000.00 I doubt I will ever be able to pay this. I know my diability is exempt, but they could put a lien on my trailer. What about my husbands paycheck or his half of the trailer? Florida wasn't a community property state, but Texas is. Should I post this in a different forum?

Thanks,
YroseTX

The FIRST thing you do is as HG suggested. Write to the firm requesting payment and demand they support the debt. Do it certified (return receipt required) and do it now.

At that point, when you have received their reply, come back here and discuss it.

[HomeGuru]

That's right.

Hi Guys,

They finally called again. I told them the conversation was being recorded and that I needed their name (Penncro) and address to send them something in writing. That I would only do any agreement in writing. A supervisor came on told me there was a collection of $43,367.61 and we needed to take care of it. they had sent 6 letter to my address an old PO Box. Well I'm sure the post office sent them back since I don't have it anymore. He asked me for my current address and I wouldn't give it to hime and wanted his. He told me the call was being recorded and I told him the same. He said he wasn't giving me permission and I couldn't by federal law. I told him then he should consider disconnecting as it would be recorded. He told me to have a nice day.

Have you heard anything about this company? I wanted to send them the validation letter.

YroseTX

[HomeGuru]

Originally posted by YroseTX
Hi Guys,

They finally called again. I told them the conversation was being recorded and that I needed their name (Penncro) and address to send them something in writing. That I would only do any agreement in writing. A supervisor came on told me there was a collection of $43,367.61 and we needed to take care of it. they had sent 6 letter to my address an old PO Box. Well I'm sure the post office sent them back since I don't have it anymore. He asked me for my current address and I wouldn't give it to hime and wanted his. He told me the call was being recorded and I told him the same. He said he wasn't giving me permission and I couldn't by federal law. I told him then he should consider disconnecting as it would be recorded. He told me to have a nice day.

Have you heard anything about this company? I wanted to send them the validation letter.

YroseTX

**A: stop playing games.