Consumer complaint received 2017-07-17
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father,   XXXX   XXXX  , passed away  XX/XX/XXXX  ; at the time he had a mortgage with Nationstar Mortgage Company, Loan #   XXXX   in  XXXX , Idaho. I contacted Nationstar on XX/XX/XXXX  to let them know that he had died and that we were looking through documents, looking for a will, etc. On XX/XX/XXXX  I contacted Nationstar again via phone to tell them that the estate was insolvent and that I was sending a letter of insolvency along with a copy of the death certificate. They refused to talk to me about the account specifically because I was not on the account, I said that was fine, I just needed an address to send the letter to. I mailed those documents out on XX/XX/XXXX  with the statement : This is to notify you that the account holder,   XXXX   XXXX   XXXX  , is deceased. Enclosed is a copy of the certificate of death.
It has been determined by a lawyer that the estate in insolvent as the deceaseds assets are insufficient to pay the estate debts, taxes, and administrative expenses ; no probate action will be contemplated.
Please exercise your rights as you see fit, however I kindly request that you stop contacting the estate regarding this account as required by the Fair Debt Collection Practice Act. ( please see attached document ) I had been receiving my bills for my father 's mortgage at my personal home address since mid- XXXX  and continued to receive them even after my request to stop. I sent another letter mid-  XXXX    reminding them that the estate was insolvent, that I had already sent documentation and to please stop harassing me with bills at my personal residence. They persisted and bills/statements/etc. come to my home address several times a month ... since   XXXX   I have been returning these items to sender marked, " Return to Sender, Recipient Deceased, Estate Insolvent '', and have done so for nearly a year.
On XX/XX/XXXX  at  XXXX  on a Sunday evening I personally was served papers that Nationstar is suing ME for my dad 's mortgage. There was no money in my father 's " estate '' to even pay for funeral services, so I had to pay those out of my own pocket, and now Nationstar is forcing me to pay for an attorney out of my own pocket for a debt that is not even mine. I have notified Nationstar of my father 's estate insolvency as a courtesy, and have repeatedly asked Nationstar to stop contacting me personally for debt collection on this account and they have persistently harassed my home address for 18 months. No where on my father 's mortgage is my name listed ( I was a minor at the time of the home 's purchase ) and now my name is listed in the state 's repository as a civil defendant. Nationstar would n't even talk to me on the phone because I was not on the account, but they 're certainly willing to bombard my mailbox with bills, and SUE me for the debt. I would say that Nationstar has used abusive, unfair, and deceptive practices to try to collect a debt that is not my obligation to pay.

Company response to consumer: Closed with explanation