My husband and I are in the process of selling our home. We were notified that there was a lien against our home for AT&T Universal Card. When I called them to find out about this they said the account was closed and had been sold to NCO. I contacted NCO, and a very nice representative, took my information. I explained that this debt had been from AT&T Universal card and there was now a judgement against us which had been placed as a lien on our home.
I have been told that by law in the state of Texas, the debtor has to sign a Partial Release of Lien when it is on a homestead. I was going to go ahead and pay the entire debt which the representative, Mr. Roberson, told me was $2187. He told me I was luck that his manager had spoken with the attorney and this was all they wanted. He said once he had the money he would send notice to the title company that this was cleared up. I told him I didn't have the funds in my checking account at the moment but would call back the next day.
When I called back, Mr. Roberson would not talk to me but his manager came on the line and told me the amount was now $6,005. I refused to pay that and the company called back in a day to try and settle for $4500. We again refused and they stated that the $2187 offer was not a real offer. I told them they needed to listen to their recordings as it was a real offer. Leonard, the manager then became very threatening. I told him that by law in the state of Texas he would have to sign the Partial Release and he said he didn't care about any laws.
We have a lawyer sending a letter to them and hope to at least get the partial release before the potential to sell our home runs out. I am glad, however, after reading all of these comments that I did not pay them the first offer, I now believe they would not have honored their word that they would send my title company a letter saying the debt was paid.
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