Consumer complaint received 2023-10-09
Company: Madison Management Services, LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I recently received a letter of foreclosure related to a {$4100.00} from a XXXX line of credit from XXXXXXXX XXXX ( out of business since XXXX ) secured by my primary residence located at XXXX XXXX XXXX, XXXX, NC. I have paid the requested pay-off amount in full on XX/XX/XXXX but the representing attorney has not communicated with the courts to stop the foreclosure sale scheduled for XX/XX/XXXX. 
Facts regarding the case : XXXX XXXXXXXX XXXX  # XXXX XXXX  was listed as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) and the loan servicing company was listed as XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Attorney XXXX XXXX and trustee, XXXX XXXX ( XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX XXXXXXXX ) represented the plaintiff. 
Although I responded to Attorney XXXX that the loan was beyond the statues of limitation for the state of NC, I went to my hearing scheduled for XX/XX/XXXX, prepared to pay the requested amount. 
Attorney XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX, phone XXXX XXXX ) presented as substitute attorney and provided a redacted bank statement ( missing the banks name, my name, and the date ) which Judge XXXX XXXX XXXX XXXX as proof of valid debt. A foreclosure sale is scheduled for XX/XX/XXXX. 
I requested to pay off the debt on that day, but Attorney XXXX refused to give me an official pay-off amount. He stated that the pay-off amount would be approximately {$7500.00} and that I would receive an official statement within XXXX business days of the court proceedings. 
Despite numerous requests over the next few days, I did not receive a pay-off amount. 
Because I did not receive the pay-off amount, I filed an appeal. My next court date was scheduled for XX/XX/XXXX. 
In the interim, I contacted all parties ( Attorney XXXX XXXX, Attorney XXXX XXXX, Trustee XXXX XXXX, Judge XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in efforts to obtain a pay-off amount and pay the debt but to no avail. 
I presented to XXXX XXXX on XX/XX/XXXX, simply to request a pay-off amount. Attorney XXXX XXXX presented to XXXX XXXX XXXX, the same redacted bank statement as proof of debt and falsely stated that he had sent a pay-off amount via email. Attorney XXXX stated that the amount had since increased to roughly {$15000.00} ( approximately {$7500.00} more than previously stated ). 
I requested an official pay-off amount during court proceedings so that I could pay it on the same day. Attorney XXXX XXXX would not provide me with an official pay-off amount. He stated that I would receive it within XXXX hours. When I did not receive it, I contacted Attorney XXXX who stated that he was no longer involved in the matter and did not send the pay-off amount as promised in court. 
Several days later after copying the Federal Trade Commission and the XXXX XXXX XXXX XXXX in on my emails, Attorney XXXX XXXX emailed a pay-off amount of {$15000.00} ( principal {$4100.00}, interest {$1500.00}, {$52.00} late charges, and {$9300.00} attorney fees to be paid by XX/XX/XXXX to end this case. 
I followed the instructions sending a certified check from XXXX bank in the amount of {$15000.00} to XXXX XXXX XXXX, Trust account to XXXX XXXX XXXX via XXXX XXXX mail, Tracking number XXXX which XXXX office personnel verified was delivered on XX/XX/XXXX. 
I sent the tracking number to XXXX XXXX XXXX but for several days, he stated that he did not receive it despite post office personnel verifying that they left several notices in his box. 
On XX/XX/XXXX I contacted Judge XXXX XXXX XXXX about the matter and shortly thereafter XXXX XXXX signed for the package. 
It has been more than 25 days since I sent the requested funds and more than 14 days since Attorney XXXX XXXX signed the package. I have heard nothing else regarding this case or given any information regarding cancellation of the foreclosure sale which is scheduled for XX/XX/XXXX. 
I am requesting assistance in obtaining verification from Attorney XXXX XXXX XXXX that the debt has been satisfied and ending this case. 
I request that the XXXX XXXX XXXX ( the loan servicing company ) provide me with a release of XXXX from my property located at XXXX XXXX XXXX, XXXX, NC to bring this case to an official end. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX, MD

Company response to consumer: Closed with explanation