Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Attn : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX, On XX/XX/year>, I XXXX XXXX XXXX as well as other entities/interested parties received a Letter from XXXX XXXX XXXX , titled Notice of Pending Foreclosure, dated XX/XX/year>, received on XX/XX/year>. 
XXXX XXXX Notice of Acceleration/Pending Foreclosure Sale violates O.C.G.A. 44-14-162.2, which states : a ) Notice of the initiation of proceedings to exercise a power of sale in a mortgage, security deed, or other lien contract shall be given to the debtor by the secured creditor no later than 30 days before the date of the proposed foreclosure. Such notice shall be in writing, shall include the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the mortgage with the debtor, and shall be sent by registered or certified mail or statutory overnight delivery, return receipt requested, to the property address or to such other address as the debtor may designate by written notice to the secured creditor.

Once Aldridges errors were discovered all interested parties notified the law firm via USPS mail ( XXXX XXXX XXXX XXXX XXXX ) with a letter entitled Notice of Violation of O.C.G.A. 44-14-162.2 ( a ). XXXX received said notice on XX/XX/year>, please see attachments. 
On XX/XX/year>, at approximately XXXX XXXX  XXXX XXXX XXXX, was contacted and an associate of the firm by the name of XXXX answered the call. She informed us that Attorney XXXX and XXXX were assigned to the file, and they were unavailable. She was unable to give us a date or time, of when either associate would be available to speak or communicate. XXXX alleged she left a message for Attorney XXXX and XXXX regarding our file. 
On XX/XX/year>, we contacted XXXX XXXX XXXX, a second time, for an update on our Notice, no update was available, and we were told the file was pending within the Compliance Department and no update was readily presented. 
On XX/XX/year>, we contacted XXXX XXXX XXXX XXXX, a third time, attempting to gain any update on our file. We spoke with an associate named XXXX around XXXX XXXX. He stated the file was still with the Compliance Department and our status was still pending. XXXX also informed us he attempted to contact Attorney XXXX and advised us to send an email so she, ( XXXX XXXX ) could communicate with us via email. We gave a centralized email for her to communicate. We have not received a response to date. 
Since Georgia is a non-judicial state time is of the essence and there are few laws that protect alleged debtors from alleged creditors. It should not take thirteen days ( 13 ) for a sophisticated law firm with support to provide an update on rather XXXX XXXX, are going to stop the foreclosure due to a violation of O.C.G.A. 44-14-162.2 or continue to illegally and unlawfully collect a debt on XX/XX/year>, regardless of their visible violations. 
XXXX XXXX associates are possibly enjoying the holiday/time off, if that is why they have been negligent in a speedy reply or decision ; we should not be injured. They advertised the sale for XX/XX/year>, and their abandonment of a reasonably timely response should not impede or lag their responsibility to communicate in a sensible fashion prior to the sale date. 
All we need to know is if XXXX XXXX XXXX, acknowledges their error to the application of law and if they have decided to re-advertise the sale or will XXXX XXXX XXXX, ignore the application of law, thus, proceeding forward with a potentially, procedurally, and unlawful non-judicial foreclosure sale. 
As a result of their absence of urgency to resolve or conclude a decision on the matter, we have been left with no choice but to file this complaint with the Consumer Protection Financial Bureau, so we have record of their actions, neglect, lack of communication and potentially ignoring standard procedure to conduct a lawful non-judicial foreclosure sale per Georgia law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation