Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
I am filing this complaint to report a pattern of egregious, illegal, and predatory actions by the above-named entities related to a commercial mortgage ( Loan XXXX XXXXXXXX ) secured by properties in XXXX  and XXXX. These actions include attempting to foreclose based on a fraudulent debt, charging illegal fees, engaging in bad-faith litigation, and conducting a void foreclosure sale. 

In XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX  and XXXX, initiated foreclosure proceedings against my XXXX  property ( XXXX XXXX XXXX, XXXX, GA ), scheduling a sale for XX/XX/year>. 

On or about XX/XX/year>, I filed an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in the XXXX XXXX XXXX XXXX XXXX, XXXX  ( Case No. XXXX ) to stop the sale, citing bad-faith practices. 

Immediately after being notified of the XXXX filing, attorney XXXX XXXX XXXX XXXX XXXX XXXX issued a new reinstatement quote that included a punitive and retaliatory {$8000.00} " foreclosure fee. '' This fee was not present before my legal challenge and appears to be a direct punishment for exercising my right to access the courts. 

On XX/XX/year>, the servicer provided a payoff statement for the XXXX  property that was blatantly fraudulent. On a remaining principal balance of approximately {$67000.00}, the lender demanded a payoff of {$90000.00}. This constitutes criminal usury under XXXX  XXXX. XXXX, which defines any interest rate above 5 % per month as a criminal offense. The inflated demand is a deceptive and illegal attempt to extort funds. 

It was discovered that the Defendants had already proceeded with a foreclosure sale of my Alabama property ( XXXX XXXX XXXX XXXX, XXXX, AL ). This sale is legally void because the foreclosure notice was published in the * XXXX XXXX *, a publication that does not meet the legal requirements of a newspaper of general circulation for legal notices in XXXX XXXX, in direct violation of XXXX  XXXX XXXX. 

On XX/XX/year>, I was forced to file a new lawsuit in the XXXX XXXX XXXX XXXX XXXX, XXXX  ( Case No. XXXX ) to declare the foreclosure deed void due to the Defendants ' failure to comply with mandatory state publication laws. 

As a further act of harassment, XXXX XXXX  filed a new, frivolous lawsuit against my company in the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( Case No. XXXX ). This was a transparent attempt at " forum shopping '' suing me in an inconvenient court to drain my resources and distract from the primary case in XXXX XXXX where their misconduct was being exposed. 

On XX/XX/year>, I filed an XXXX XXXX XXXX  in the XXXX XXXX case, presenting the court with irrefutable evidence of the criminal usury, the bad-faith XXXX XXXX XXXX XXXX and the pattern of retaliatory and deceptive practices by all named parties.

Company response to consumer: Closed with explanation