One of my clients used an attorney who charged only $200 to settle a debt with a judgment against my client. The name of the attorney was Francisco Cieza http://www.ciezalaw.com/
My client was very happy with Mr. Cieza's services.
Credit counseling is ok - but after you are out of the transaction, they may not help any longer.
And, a lot of times, you have to be low income to qualify.
The purpose of the credit counseling is to restructure and minimize debt.
In this situation, there is no debt restructuring/minimizing.
Hope this helps,
Beachfront Realty, Inc.
Did your accountant say you had to wait for the 1099c? You have proof (in the form of that letter) that there should be a 1099c.
This is a very serious situation. There were, unfortunately, cases when the title companies didn't make the payoff to the short sale lender. Then the title companies disappeared...with the money.
I was told this story by a reputable title agent/attorney, when I told him what just happened to one of my past clients.
BOA called me (my client is out of the country permanently) on a short sale transaction of 2 years ago that they claimed they never got paid on...
BOA managed not to notice loosing 200K for 2 years!
The title company then provided BOA's cashed check and the issue never came up again.
So, this could be "incomplete" short sale or an accounting error on part of BOA or the title company.
In both cases, I feel you would benefit from hiring an attorney to deal with this mess.
Attorney does not have to waste time on the customer service (or lack of it).
He can go straight to the top of your ex-bank for you.
Good luck with this issue, and hope it will resolve itself quickly!
Beachfront Realty, Inc.
Your situation seems bizarre at best. The lender should clearly be aware that the property has been transferred via an approved short-sale. Banks are swamped with these transactions and the procedure to dispose of these non-performing loans is not streamlined and organised as well as it could be...
Seems like hiring an attorney is the very best option.
WATERWAY REALTY, REALTORS
Do a search to verify you actually sold your property! Go here and input the address of the property you believe you sold:
If your name is still appearing on public records as the owner then you may be a victim of scammers! If that is the case you need to go and evict whomever is living there and take possession back.
Hopefully this is not the case and it's just the typical incompetence of most "servicers". By the way, who is the bank that is calling you?
Hope this helps and tells us how it works out!
I'm a local agent and have a really good real estate attorney that i can recommend and can help you with this situation.