OCWEN Federal BANK FSB Charged My Ex-Husbands Foreclosure to my Credit West Palm Beach Florida
My name was never involved with the mortgage/finance of the home in which my ex-husband purchased and lost. They charged the final amount he owed to my credit when I was divorced from him years before he lost the house. I called and informed them of this and yet they still are putting this on me. They are trying to get money out of me that I do not owe! I have resided back in NJ for 5 years now how could I have a foreclosure in Florida 2 years ago????
Bridget
Butler, New Jersey
U.S.A.
1 Updates & Rebuttals
Tammy
Lowville,New York,
U.S.A.
Community Property States
#2Consumer Comment
Wed, August 20, 2003
The only instance where it is legal for Ocwen to deliberately report your ex's mortgage on your credit report and to attempt to collect the payments from you is if you happened to live in a community property state.
Here is a link explaining what community property states are...
http://www.escrowhelp.com/articles/20000114.html
The way I understand it, creditors when taking you to court have these options available to them. They can file in the state in which the property is located or they can file in the state in which the person is residing. If you had lived with your husband at the time the contract was signed and you happened to be in a community property state, then from what I understand, you are liable as well.
However looking at your address where you are living (New Jersey) and the address where Ocwen is located (Florida, which I assume is where the property is located), neither are community property states and thus it is illegal for them to attempt to collect payment from a person whose name is not on the contract.
You need to get a lawyer.