Consumer complaint received 2015-09-17
Company: Caliber Home Loans, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Discharged Debtor filed Bankruptcy on XXXX XXXX, XXXX. An Adversary Proceedings was filed by Discharged Debtor asking the Court to Determine the extent of an alleged Lien asking the Defendants at the time ( XXXX ( alleged servicer ), XXXX XXXX ( alleged Trustee ), XXXX, XXXX, XXXX XXXX XXXX allegedly changed name to XXXX XXXX XXXX, XXXX ( a subsidiary of XXXX ) XXXX XXXX, XXXX ( Attorneys who had been harassing Consumer/Debtor through their unfounded practices ) ) to produce a ledgering/bill of particulars, or proof as Creditors according to the FDCPA. All the then defendants ' abusive practices were outlined in the said Motion. Attorneys at the time, XXXX XXXX, XXXX, were repeatedly and maliciously sending letters and notices threatening the family as alleged Creditors to Foreclose. 
During the Adversary Proceeding as opposed to proving their creditor status to the U.S. Trustee and the U.S. Judge, they continued with their fraudulent behavior and transferred/conveyed to their affiliate/subsidiary company CALIBER HOME LOANS, INC., deliberately failing to notice the U.S. Judge, U.S. Trustee, or the court of their actions and violating the current automatic stay in the ( progressing ) Bankruptcy procedure. Discharged Debtor while under the Automatic stay started to receive new notices of yet another Servicer/Debt Collector CALIBER HOME LOANS, INC. continuing to ignore the delicate in session process. Their actions were brought to the Court 's attention and the alleged NEW servicer CALIBER HOME LOANS , INC was consequently added to the Adversary Proceeding. 
The U.S. Judge in her Opinion and Oral Ruling made it clear that : ( 1 ) neither of the parties before her were Creditors nor had Security or Equitable Interest, ( 2 ) neither presented their Proof of Claims to the U.S. Trustee, and ( 3 ) did not attended the XXXX Meeting. The Case was eventually dismissed, but the Judge 's opinion was clear. They were not Creditors and DID NOT have security interest. 
The Discharged Debtor received a Discharge on XXXX, XXXX pursuant to 11 U.S.C. 727. Approximately three ( 3 ) months ago this year of XXXX. Consumer/Discharged Debtor started receiving notices of Foreclosure Sale XXXX XXXX, XXXX, for the Discharged debt. This information was again brought to the U.S. Bankruptcy Court Motioning for Sanction in the form of a Motion to Show Cause on XXXX XXXX, XXXX ; outlining their violations of the above Debt Collectors/alleged Servicers/Agents and Assigned, because not one of the Entities have any type of standing to collect on an Discharged Debt. 
Discharged Debtor has done extensive research into this matter and hereby request that alleged Servicer/debt collector CALIBER HOME LOANS , INC and their Attorneys XXXX be investigated and held accountable for their fraudulent, outright defiance, and disregard of the U.S. Bankruptcy Laws, the U.S. Bankruptcy Judge, the Fair Debt Collection Practices Act, the Uniform Commercial Codes and the Other State and Federal Debt Collection Laws. There criminal actions continue to this date as recent evidence - Notice the illegal Sale to collect in the XXXX XXXX XXXX. The conspirators have NOT legitimately proven any standing. 
The violators have conspired, ignored, abused and continue to act outside of the U.S. Bankruptcy Rules, Laws, and the Federal and State Debt Collection Laws. 
XXXX XXXX and CALIBER HOME LOANS, INC. presently seem to be committed to collecting on a Discharged Debt. 11 U.S.C. 1927 ; 11 U.S.C. 524 ( a ) ( 2 ) ; 18 U.S.C. 401 ; 15 U.S.C. 1692 Discharged Debtor as pro XXXX, ask that these violators of the U.S. Bankruptcy Law, FDCPA, UCC, SEC and Commercial and Criminal Laws be investigated, held accountable, stopped from their abusive fraudulent practices and displacing families.

Company response to consumer: Closed with explanation