Consumer complaint received 2024-08-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (CA)

The loan originated in XX/XX/XXXX. It was a XX/XX/XXXX mortgage with XXXX and Full Spectrum home loans aka " Piggy- back loans ''. The loan was later transferred to XXXX XXXX XXXX and subsequently Real time Resolution, XXXX XXXX XXXX XXXX perhaps in XXXX? Due to the complex nature of theses transfers ; to include the XXXX Attorney General XXXX filing a {$8.00} XXXX dollar lawsuit settlement against XXXX subprime Scandal predatory lending practices Loan modifications were enforced by Attorney General XXXX to erase penalties, fees and balloon payments and other predatory practices.The Making Home Affordable ( XXXX ) launched in XX/XX/XXXX, to provide additional assistance to struggling homeowners affected by predatory lending practices. You see, home Loans prior to XXXX XXXX XXXX acquisition in XX/XX/XXXX, deceived borrowers by misrepresenting loan terms, and disallowing borrowers ability to pay. The lawsuit claimed loan servicing also charged homeowners who were behind on their mortgages with inflated fees and penalties ( oag.ca.gov, XXXX ) .The settlement included loan modifications who were 60 days or more behind. Due to the above, I felt I was not a part though struggling to make ends meet. I was unaware of my debt status as many transfer of loans took place I did not receive regular bank statements of the second position loan.In fact, XXXX XXXXXXXX XXXX notified me of the transfer to Real Time Resolution after a year later. I have not received correspondence from XXXX XXXX  XXXX as they no longer acquired the mortgage effective XXXX. I am a regular account holder of Bank XXXX XXXX for over XXXX plus years. In XXXX, XXXX I received a chapter XXXX discharge. 
In XXXX, I received letter from Real Time Resolution ( RTR ) stating " if you received a bankruptcy discharge this letter is for informational purposes only '' ( XX/XX/XXXX ). 
In XX/XX/XXXX, I received a Notice of Default place on several areas of my home. I was ashamed and confused.When I contacted XXXX in XXXX, I was advised to pay a lump sum fee of {$20000.00} plus penalties and interest. I asked why they had not contacted me prior, and was told because I had a XXXX XXXX XXXX discharged this does not apply. Meanwhile, the lien in XXXX was placed on my home and in my name at the county recorders office for all to see. I received phone calls and door knocking all hours of the day and night. My mailbox was filled with negative responses regarding the foreclosure sale or quick sale to investors.RTR response was " We are only interested in your home '' XXXX immediately sought legal advice. RTR refused to work with me. In XXXX a Notice of Sale was placed. The original loan amount of {$75000.00} has now exceeded to over XXXX XXXX ( {$200000.00} ) XXXX dollars which includes foreclosure inspections, late fees penalty costs and other unknowns. 
The attorneys advised me to seek additional legal counsel.When asked for verification of debt from RTR, I received a summary of foreclosure cost, appraisals costs and " Investor '' loan purchase dated on XX/XX/XXXX. To this date, I have not received monthly bank statements. 
In XX/XX/XXXX, I began to investigate what exactly is going on. I visited the XXXX XXXX recorders office. This is what was discovered... 
To my surprise, on XX/XX/XXXX XXXX home loans holder of the deed whose address is the same as Bank XXXX XXXX located at XXXX XXXX XXXX, XXXX Florida XXXX assigned Trust unto XXXX XXXX XXXX XXXX are so many gaps from XXXX to XXXX and irregularities in how the loan was processed or transferred after XXXX XXXX. I do not receive statements from XXXX XXXX  XXXX, RealTime Resolution ( RTR ) nor any entity involved to include new XXXX XXXX of XX/XX/XXXX RRA CP OPPORTUNITY TRUST XXXX. 
It Transparent Real Time ResoLution ( RTR ), is trying to bi-pass the Attorney Generals Ruling of XXXX by forcing the XXXX original balloon loan along with fees, interests and penalties which is equivalent to XXXX predatory practice ruling. Country wide obligation was to modify those predatory sub-prime loans.This is a continuation of the original predatory practices and should include a statutes of limitations reset.RTR is violating the terms. The original terms should not be enforceable due to XXXX home loan recognized predatory practices..The fact that my primary lender acknowledges the XXXX XXXXdischarge in XXXX and has made payment arrangements following the legal requirements post-discharge and sending monthly statements..RTR has contested and still contesting XXXX chapter XXXX which was filed in XX/XX/XXXX. RTR is trying to enforce the original loan terms and claim that I still owe on a personal liability basis. RTR is acting above -the-law.This is unethical and a global disgrace. 
XXXX XXXX XXXX has recently acknowledged cases similar. He stated '' Some debt XXXX, who sat silent for a decade, are now pursuing homeowners on zombie mortgages inflated with interest and fees ''. " We are making clear that threatening to sue to collect on expired zombie mortgage debt is illegal '' ( XXXX XXXX ). 
To date, RTR has hopefully postponed the XX/XX/XXXX Notice of Sale which is set at the XXXX XXXX court house in the next XXXX hours. The Next meeting with the Bankruptcy court XXXX ruling is set on XXXX XXXX.