Mortgage debt collectors

• Some states limit or ban deficiency judgments after certain foreclosures.
• “Zombie” second mortgages can come back after years of silence. Ask for the full payment history and check the time limit.
• A servicer that took over a loan before it went into default usually isn’t a “debt collector” under the federal FDCPA, but other mortgage servicing rules still protect you.
• If you are facing foreclosure, a HUD-approved housing counselor can help for free.

Time limits: Mortgage notes are usually covered by the state’s promissory note or written contract limit. Check your state.

Ask the collector to prove it

1. Collecting a debt the person says they don't owe37%
2. Threatened or took negative or legal action24%
3. Missing or unclear written notice about the debt18%
4. False or misleading statements16%
5. Calling too often or after being told to stop3.8%
6. Contacting or threatening to contact other people1.0%
7. Problems with texts, emails or social media messages0.8%