Consumer complaint received 10/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Real Time Resolutions, Inc. (CA).
Issue: Settlement process and costs

Complaint: Real Time Resolution - provide order that bears Real Time Resolution name. - Real Time Resolution attach the schedule stating this debt is secured or unsecured? 
Real Time Resolutions - is a third party collection company whom appears to have paid a debt during a open bankruptcy that was not owed in attempt to collect from me. Real Time Resolution did not communicate with the attorney of record. 

Real Time Resolution stated : In the Complaint, XXXX XXXX states that RTR 's documents contain multiple non-corresponding dates ; that the transaction history appears to show that the debt has been paid ; and that RTR has not confirmed how a lien remains on the property. RTR will address each statement below. 

Response provide documents wires, check copies withdrawals of XXXX and XXXX payment - debt is disputed due to what appears to be fraud - First, RTR is unclear as to which documents XXXX XXXX is referring. RTR 's records indicate that XXXX XXXX received a discharge of her personal obligation to repay the debt through her Chapter XXXX bankruptcy proceedings. Prior to that date, RTR 's records indicate that the account was due for the installment payment for XX/XX/XXXX. Due to the bankruptcy discharge, no payments on the underlying debt have been made since XX/XX/XXXX and RTR 's transaction history indicates as much. A copy of the transaction history was provided to XXXX XXXX upon her request. This document shows a " due date '' in XX/XX/XXXX and a " trans date '' [ transfer date ] in XX/XX/XXXX, which is the year that XXXX obtained the right to collect payments on the account. RTR hopes that this explanation helps to clarify some of the confusion concerning non-corresponding dates. Otherwise, XXXX denies that its transaction history or other documentation demonstrate that the debt has been paid in full or paid at all since XXXX. 

Response - Debt is disputed - provide a copy of an order that bears RTR name or reference RTR or any detail or letter to my bankruptcy attorney of record. The letter RTR provided are not addressed to bankruptcy attorney. Do RTR know who my bankruptcy attorney is? bankruptcy XX/XX/XXXX-XX/XX/XXXX discharged. 

Finally, XXXX XXXX states that RTR has not demonstrated how a lien remains on her property. On this point, XXXX believes that XXXX XXXX should seek the counsel of her bankruptcy attorney. It appears as if XXXX XXXX file a motion to avoid the subject lien within her bankruptcy proceedings, and that this motion was denied with prejudice. 

Response the bankruptcy judge did not give RTR any order he referenced the original creditor only - The bankruptcy judge is not aware of the transfer without notice to my bankruptcy attorney. The Judge did not state RTR could not be brought in to bankruptcy court for non-disclosed transfer that appear to be a transfer of debt without notice to bankruptcy attorney. As well as other errors and mistakes. The Judge order is being taken out of content. The Judge did not say I could not challenge the Deed of Trust for fraud - Judge only stated Deed of Trust has to be dealt with. The Judge did not say anywhere in the order debt is owed and or RTR can collect on the lien for any creditor. XXXX told me the XXXX was included in the XX/XX/XXXX modification - I was deceived by both parties. I was not informed about second until XX/XX/XXXX. Both of my bankruptcy attorneys confirm they were not informed of any transfer.

Company response to consumer: Closed with explanation