Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XXXX XXXX I. UNDISPUTED FACT A. XXXX XXXX filed XXXX individual voluntary XXXX  XXXX Petition. 

XXXX. XXXX XXXX filed XXXX required XXXX XXXX XXXX Proof of Claims : Question : Was the claim acquired? [ X ] NO A ). XXXX ; XXXX Claim XXXX B ). XXXX Claim XXXX B. Debtors spouse XXXX filed an individual XXXX XXXX Petition C ). XXXX Claim XXXX XXXX. XXXX XXXX failed to file the required XXXX Proof of Claims in the XXXX XXXX XXXX by the Bar Date. 

XXXX. XXXX under XXXX XXXX, filed XXXX XXXX  XXXX POC Question : Was the claim acquired? [ YES ] Contraindicating XXXX XXXX statements. Was the claim acquired? [ NO ] ( see exhibits A & B ) The information provided in the XXXX filed ( C ) XXXX POC was obtained and stated from the previous filed ( A & B ) XXXX Trust creditors XXXX POC. 

Rule XXXX. Filing of Claims by Debtor - If a creditor does not timely file a proof of claim, the debtor may file a proof of the claim within XXXX  days after the expiration of the bar date time for filing claims. 

XXXX XXXX XXXX Instructions for Proof of Claim ( How to fill out this form : If the claim has been acquired from someone else, then state the identity of the last party who owned the claim or was the holder of the claim and who transferred it to you before the initial claim was filed. 
Attach copies of any documents that show evidence of perfection of any security interest or any assignments or transfer of the debt. 

XXXX The Basis for the claim : DEED OF TRUST is DEVOID of the required support documents that evidence the perfection of security instrument and proper assignment of promissory note. 

XXXX FALSE CLAIMS XXXX XXXX XXXX ( XXXX ) XXXX PROOF of CLAIMS in XXXX In XXXX  courts, judges are regularly confronted with consumer challenges to creditor standing to be paid or requests to lift automatic stays, where mortgage documents were not properly transferred. Mortgage creditors must file a proof of claim in a XXXX XXXX XXXX if they wish to receive payments from the bankruptcy XXXX The XXXX  Rules of Procedure require such creditors to provide a copy of the writing evidencing the claim ( that is, the loan note ) and evidence of the creditor 's security interest in property of the debtor if perfected ( that is, the mortgage or deed of trust ) XXXX These mandates represent XXXX fundamental public policies embodied in the XXXX  XXXX : " ensuring the accuracy and legality of the claim ... that any mortgage claims are made in accord with the XXXX  XXXX. 

XXXX XXXX XXXX XXXX  also recognizes fraud, rigging the bidding process, and other misbehavior as reasons to set aside a sale, even if the trustee deed to a BFP is XXXX A claim of wrongful exercise of power of sale can arise when the grantee has no legal right to XXXX For example, if the purported assignment of a security deed is not a valid assignment, the purported assignee has no right to foreclose and the sale is null and XXXX The integrity of our legal system depends upon all parties following the rules. 
This interest is vital to all. The non-judicial foreclosure rules favor the foreclosing party, but that party should possess the authority to sell the home by following the state law governing the ownership and transfer of the notes and mortgages. 

XXXX. XXXX XXXX. P, OFFICAL FORM XXXX " Creditor '' includes the person or entity to which the debtor owes money or property. Id. 
XXXX XXXX. XXXX XXXX. XXXX XXXX ( c ), ( d ). XXXX XXXX, XXXX notes XXXX at XXXX XXXX XXXX, XXXX XXXX at XXXX. 
XXXX XXXX  XXXX XXXX. XXXX. XXXX & XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ) ( involving alleged fraud in the bidding process ). 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX In re XXXX ), XXXX XXXX. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ) CONCLUSION : It is illegal to knowingly and with intent to defraud, file a bankruptcy document or make a false or fraudulent representation claim. XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX Proof of Claim copies are correct and proper copies from the original document and filed in the court records. 

I Declare Under Penalty of the XXXXXXXX XXXX. laws that the above is True to the best of my ability. 
____________________ Documents are sent by XXXX XXXX XXXX XXXX XXXX Mail XXXX XXXX

Company response to consumer: Closed with explanation