Consumer complaint received 2022-05-25
Company: McCarthy & Holthus, LLP
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX individual and working with the XXXX XXXX XXXX XXXX to return to work. My work has been impossible because this company of attorneys hired by XXXX XXXX has put a 13 year lawsuit on a debt I do not owe. As I show as plaintiff, and the circle of loan officers and realtors is very small in XXXX, I have been shunned from transactions, bids, loans, and clients have been reluctant to work with me because of this 13 year long legal harassment. 
As a result my transactions have not gone through, I had a hard time getting XXXX and XXXX XXXX and I also had a hard time finding a job as a XXXX. 
XXXX XXXX along with McCarthy and Holthus has really brought my family to destitution, I have a son with a XXXX XXXX  XXXX and this does not help. 
I am sending documentation on how this has affected b=my ability to earn income on a prior successful company I owned wit =h my children and how this has affected our health ( health insurance is expensive ) m=my family 's morale and our health mentally and physically and emotionally. 

We are not the only ones in this position and there is another XXXX XXXX XXXX woman who was helped by Legal aid by XXXX XXXX XXXX attorney and she also paid her home off in a real estate contract and this banks are lending irresponsibly and refinancing and modifying and foreberaing irresponsibly to mortgagors on property they do not own anymore or occupy. As a result the mortgagors who obtain a deferment and other loan or a second mortgage borrow and bail away using cash to buy whatever even other homes or flip homes and still HUD and lenders lend new money to these people who walk free by agreing to a " deed in lieu of foreclosure '' and they lose nothing as they already sold the property. 
These mortgagors and the banks collude for their mutual benefit and not only tap into the cash earned by women who have broken their backs to work hard to pay off their homes but they also come for more, the title the money and all The banks and the title companies should have NEVER ALLOWED AN " IN PERSONALITY '' XXXXloan deferment on a home they do not have legal title anymore. 
My mother and I bought a home under a real estate contract in XXXX. I believe the sellers had a second mortgage they did continue drawing from after the HUD statement was provided to us at closing. I do not know that because for sure because XXXX  XXXX XXXX will not release information to us as we are not on the loan. 
we made payments until XXXX when the XXXX  account XXXX  XXXX  told us the house is " paid '' and wont take more payments and their attorney deposited money in the court. 
my attorneys got paid with a car accident ( was rear ended ) in XXXX where they got the rest of the 40 % that was given to me after their attorney fees and costs cut. There should be about XXXX in trust to XXXX XXXX  that XXXX XXXX and the sellers tapped into and now they want to take her house too and all the money i retirement as a XXXX. for all her life and kick her out. Plus XXXX XXXX wants to bill me for the 10 year attorney fees " in personam '' for the attorneys inability to collect their judgement that is past the statute of limitations from the sellers, the perpetrators of the case, who actually used cash to buy homes. I sent XXXX XXXX 's atttornesy them via email to XXXX XXXX XXXX the attorney in XXXX and XXXX the addresses of the sellers so they can put a lien on the home the mortagors ( sellers ) XXXX XXXX and XXXX XXXX sold for cash from money deposited into a llc and created just to buy a home cash and then put the home in their names But due to the inatention of the attorneys htey missed the opportunity to collect the judgement for the loan that we do not have priviledge in knowing anything at all and now they want to foreclose on my home. I paid it off. trace those funds. Looks like XXXX XXXX " entered into a collusive agreement " with the sellers, divided my elderly mother income and my settlement from my disabling accident profited from us and now they reutnr for the whole house. That should be throughly investigaged as FRAUD, SENT TOT HE AUTHORITIES AND HAVE THE LAWYERS, BANK AND SELLERS AUDITED. THEY HAVE THE NERVE TO FILE A SUMMARY JUDGEMENT ON A DEBT INCURRED BY THE SELLERS AFTER THEY DID NOT HAVE LEGAL TITLE OF MY HOUSE IN XXXX. A NON RECOVERABLE JUDGEMENT THAT IS STALED AND HAS BEEN IN DEFAULT FOR AT LEAST 12 YEARS OR MOER AND WAS MAYBE ORIGINATED IN OR AROUND XXXX OR XXXX AFTER WE BOUGHT IT. PLEASE ALSO INVESTIGATE THE TITLE COMPANIES INVOLVED IN ALL TRANSACTIONS. WE FILED CFPB COMPLAINTS AND ALL XXXX  XXXX XXXX DID IS SEND A FORM TO AUTHORIZE US TO KNOW ABOUT THE LOAN OF XXXX XXXX AND XXXX XXXX, WE HAVE NO PRIVILEDGE ON THAT LOAN AND THE BANK 'S ATTORNEY 'S FEES ALSO NEED TO GO TO THE XXXX 'S WE HAVE NO PRIVILEGE TO KNOW ABOUT THAT THEIR CONTRACTS THEIR AGREEMENT AND WHAT THE SELLERS SIGNED. WE DEPOSITED OVER XXXX TO THE COURT AND THE TRUST ACCOUNT, AND YES THE XXXX  WITH ALL THEIR ALIASSES NAMES NEED TO BE INVESTIGATED TO STOP TRYING TO PUSH US OUT OF OUR HOME IT BELONGS TO ME, THE XXXX XXXX SAID IN OPEN COURT AND THE ATTORNEY BILLS BELONG TO XXXX XXXX AND SELLERS. WE PAID THE HOUSE OFF. WE BOUGHT IT FOR XXXX IN XXXX AND IT APPRAISED FOR XXXX BUT THE ESCROW AGENT FROM XXXX XXXX DID NOT GIVE US THE APPRAISAL BECAUSE IT WAS XXXX HE SAID AND NOT IN THE STATEMENT AND THE XXXX DID NOT FINISH ON TIME, WELL THEY DO THAT AND XXXX XXXX BUYERS. 
I WILL FILE AN ADA COMPLAINT AGAINST XXXX XXXX I MAY BE XXXX MY MOM MAYBE ELDERLY BUT I KNOW THE GOVERMENT DOES NOT ALLOW AN INJUSTICE AND FRAUD AND COLLUSION. YOUR POCKETS ARE BIG XXXX XXXX WHY DO NOT YOU TRACE THE THOUSANDS OF DOLLARS WE PAID FOR XXXX XXXX XXXX XXXX XXXX OR MAYBE THA T YOU RETURNED THE MONEY TO THE SELLERS, GET THE MONEY FROM THEM NOT US. WE MAY SEEM FRAGILE AND YOU CAN STEP ON US, BUT YOU HAVE RUINED MY LIFE, MY LIVELIHOOD AND MY MOMS HEALTH, SHAME ON YOU ALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation