Consumer complaint received 2023-07-03
Company: PLANET HOME LENDING, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A Notice dated XX/XX/XXXX XXXX XXXX stated that after review of the above referenced account, you remain personally responsible for a {$160000.00} mortgage lien that is still active and filed on the above referenced property address. Below are a few of the many possible payment options available in order to settle this account. Lum sum payment 1 time payment of {$24000.00} Notice : Important state disclosure information on the back of this letter Understand that once you make a payment towards this account that does not payoff or settle it in full, the statue of limitations prohibiting the collection of this account through legal action may no longer apply. While XXXX XXXX XXXX XXXX agrees that we will never file a lawsuit against you for the collection of this debt, it is our responsibility to make you aware of the facts stated herein. Please also be advised that this account remains secured by a lien against the property that will only be released upon full pay-off, reduced pay-off through a bankruptcy with an approved lien strip order or by operation of law. 
On XX/XX/XXXX A purported ( invalid ) Corporate Assignment Deed of Trust XXXX XXXX XXXXXXXX  ) transferring/ conveying/ assigning an Deed of Trust to XXXX XXXX  was recorded in the XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX A Notice of Assignment, Sale or Transfer of Servicing Rights from XXXX XXXX to XXXX XXXX. on this debt or making a written promise to pay. XXXX XXXX agrees that we will never file a lawsuit against you for the collection of this debt, Please also be advised that this account remains secured by a lien against the property that will only be released upon full pay-off, reduced pay-off through a bankruptcy with an approved lien strip order or by operation of law. 

On XX/XX/XXXX A Notice of Default and Election to Sell Under Deed of Trust was recorded in the XXXX XXXX XXXX XXXX XXXX XXXX. 

A XXXX XXXX Petition was filed which requires the creditors to file 41 ) Proof of Claim to get paid. The creditors XXXX and PHL filed an incorrect and an incomplete Proof of Claim. 
Debtors filed an Objection to the Proof of Claims ( POC ) that had an obvious material misrepresentation and was DEVOID of the required documentation to evidence the security perfection and proper transfer / assignment of the promissory note. The XXXX XXXX XXXX XXXX obstructed ( denied ) the Objection to the POC with prejudice. 

XXXX  and XXXX XXXX filed a Notice to Sell Under Deed of Trust scheduled for XX/XX/XXXX at XXXX. 
On XX/XX/XXXX at XXXX debtors filed XXXX XXXX pre-foreclosure petition. 
On XX/XX/XXXX a post-petition foreclosure was completed. 

The creditor filed a Motion for Relief ( MRF ) which was granted by the Corrupt Judge XXXX even with the knowledge that the Proof of claims were fraudulent and that the Bankruptcy Appellant Court ( B.A.P. ) ruled that the Corporate Assignment Deed of Trust was INVALID and that the creditors had no standing to request a XXXX On XX/XX/XXXX my family was evicted from our Property and remain homeless up to this present. 

The corrupt power of Judge XXXX XXXX is wide spread in the Central District Courts of California. The XXXX and the District Courts have covered up this crime even with the knowledge that a crime has been committed. The Zombie train is alive and prospering in the California Central District Courts with no accountability. 

The XXXX and XXXX XXXX has responded to my first complaint with a sixty ( 60 ) day delay. Why nothing is going to change the facts that Judge XXXX and XXXX XXXX XXXXXXXX XXXX colluded and conspired to steal our multiple XXXX  dollar property and the XXXX and District court attempts to conceal the crime. The records will confirm the facts.

Company response to consumer: Closed with explanation