I am writing this because I feel everyone needs to know how bad I was harrassed by 21st Mortgage, namely Bryan Puleo. My loan was originally financed through Southtrust Bank. Well, Wachovia bought Southtrust bank and my loan was sold to 21st. I am still in awe at how they get away with some of their collection practices. Our mobile home recently was sold. (Thank God!) I have had some problems in the past paying on time, who hasn't? I have had medical problems in the past that caused my husband and I to file bankruptcy. Anyway, he has called my grandmother (who is in her 70's), my mother, and my neighbors to harrass them into telling me to pay my note. He has told my mother that I was irresponsible. He told my neighbors that I was behind on my mortgage and I needed to call him. He even went as far and called the previous owners of my home harassing them to get in touch with me. From what I understood, Mr. Puleo stated he could call them because I assumed the loan from them or the loan was transferred in my name and the previous owners were still responsible for the loan and it could hurt their credit, WHAT??? I'm sorry but that has got to be illegal. I tried to hire an attorney at one time but he wouldn't take the case. So, I gave up! Not only did he call me when I was late, he would call me a week before my payment was due. He told me he had to have "weekly" contact with me. When I would call him back to explain my situation he would at times, ask alot of personal questions about my finances. Like how much is my electric bill, water bill, how much do me and my husband make from wages, etc. He has left up to nine messages a day on my voicemail to call him. He has called my house as late as 10pm and as early as 5:30am. I have young children and you know how aggravating that can be! So no wonder I didn't want to talk to him!!! I am sooooo happy to never have to talk to him or anyone from 21st Mortgage. Don't do business with them! Beware! They really do prey on the poor! I will never, ever deal with them again and I will tell everyone I know how they have treated me.
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