Complaint Review: Conseco - Green Tree - PITTSBURGH Pennsylvania

MY FATHER WHO IS ELDERLY HAS ALZHEIMERS. BECAUSE OF THIS DISEASE, HE HAD FORGOTTEN TO PAY MANY OF HIS BILLS INCLUDING THE TAXES FOR THE CITY IN WHICH HE LIVES. HE IS NOW IN A NURSING HOME AND ME AND MY HUSBAND HAVE MOVED INTO THE HOUSE TO TRY AND CATCH UP ON THE BILLS AND KEEP A ROOF OVER MY MOTHERS HEAD. I STARTED CALLING ALL OF MY FATHERS DEBTORS TO SEE WHO COULD WORK WITH ME TO CATCH EVERYTHING UP. MY MOTHER WARNED ME THAT GREEN TREE WOULD BE HARD TO DEAL WITH. THEY HAVE BROUGHT HER TO TEARS OVER THE YEARS THAT SHE HAS DEALT WITH THEM.

I CALLED GREEN TREE AND THEY HAVE INFORMED ME THAT THEY HAD MADE AN INTEREST FREE LOAN TO COVER THE PAST DUE TAXES ON MY FATHERS HOME AND NOW TO AVOID FORECLOSURE, HE NEEDS TO PAY THE BALANCE OFF. AFTER SOME PLEADING WITH THEM, I CAME TO AN AGEREEMENT WITH ONE OF THE SUPERVISORS. I KNEW HOW THE GAME WORKED BECAUSE I USED TO WORK AS A BILL COLLECTOR. THEY AGREED FOR ME TO SEND THEM 400 A MONTH FOR THE NEXT 4 MONTHS AS A GOOD FAITH DOWN PAYMENT. I FIGURED AS LONG AS I KEEP THE PAYMENTS ON TIME, WE WILL NOT GET ANY PHONE CALLS FROM THEM. I WAS WRONG. THEY CALL ATLEAST EVERY OTHER DAY WANTING TO KNOW WHEN I AM GOING TO SEND OUT THE PAYMENT. THE AGREEMENT WAS THAT IT NEEDS TO BE THERE BY THE END OF THE MONTH. EVERYTIME SOMEONE CALLS THEY ASK ME HOW MUCH I AM SENDING OUT AND WHEN. I ASK THEM WHAT IS LISTED AS THE AGREEMENT ON THE ACCNT AND THEN THEY READ IT TO ME AS AGREED. I THEN ASK WHY ARE YOU ASKING ME HOW MUCH I AM GOING TO SEND OUT WHEN ITS RIGHT IN FRONT OF YOU.

THEY WILL THEN TELL ME TO SELL THE HOUSE OR THEY ARE GOING TO TAKE IT. A FEW TIMES MY MOM TOLD THEM TO COME AND GET IT. THEN THEY SAY THEY DO NOT WANT IT. LAST NIGHT, WHEN THE GUY ON THE PHONE SAID THAT THEY WILL COME AND GET IT, I TOLD HIM THE TRUTH ABOUT THE HOUSE. ITS IN A BAD NEIGHBORHOOD, ITS APPRAISED AT 38,000, YOUR LOAN IS FOR 49,000, THERE IS NO EQUITY HERE. YOU WILL NEVER GET WHAT YOU ARE ASKING FOR. ITS NOT WORTH IT. I TOLD HIM I KNOW A LITTLE ABOUT REAL ESTATE, I HAVE TAKEN THE REAL ESTATE BOARD EXAM. I SAID THAT IT IS A LOSING DEAL FOR EVERYONE IF YOU TAKE THE HOUSE. YOU LOSE ON YOUR MONEY AND YOU WILL NEVER RECOUP YOUR LOSE. SO TAKE WHAT I AM PAYING YOU AND SHUT UP OR COME AND GET THE HOUSE.

FROM WHAT I UNDERSTAND ABOUT FDCPA LAWS, GREENTREE IS THE ORIGINAL CREDITOR. FDCPA LAWS ONLY APPLY TO 2ND AND 3RD COLLECTION AGENCIES. THEY MAY NOT HAVE BEEN THE ORIGINAL OWNERS OF THE DEBT BUT IN ACUTALITY, THEY ARE. THE COMPANY JUST FILED BANKRUPTCY AND CHANGED NAMES. THEY ARE STILL THE SAME COMPANY. FDCPA LAWS DO NOT APPLY TO THEM. THEY CAN CALL AND SAY ANYTHING EXCEPT THREATEN TO KILL YOU OR SOMETHING ALONG THOSE LINES. BY THE WAY, THE COMPANY ALSO TRIED TO TAKE US TO COURT A FEW MONTHS AGO OVER A LOAN THAT THEY MADE UP.

ALL OF THE INFORMATION WAS WRONG ON THE APPLICATION, INCLUDING MY PARENTS SOCIAL SECURITY NUMBER AND ADDRESS. WE WON THE SUIT WHEN THEY TOOK US TO COURT AND NOW THEY HAVE BEEN WORSE THEN EVER TO US. I DO NOT WANT TO LOSE THIS HOUSE BECAUSE I GREW UP HERE AND I WOULD HATE TO SEE SOMEONE ELSE WALKING UP MY STEPS OR PLAYING IN MY BACK YARD BUT IF IT HAPPENS I GUESS I WILL DEAL WITH IT.

Ann

wilkinsburg, Pennsylvania
U.S.A.