We bought a home in early 2004 and had a second mortgage.in we refinanced with a new lender and consolodated our second and first mortgages and have all the paperwork (of course). Sadly, in early 2007 we lost our home in foreclosure. We moved from Missouri to Florida and rented a home for one year. We then moved again to another rental home in Florida (in a better school district) and still live there.
Yesterday, we got a call from one of our old neighbors from our first rental house that we still keep in contact with saying that he had received a call from ANOTHER neighbor that we barely knew. The neighbor that we barely knew said they had received a call AT WORK from a person that said they were an "investigator" for DCF (which usually stands for DIVISION OF CHILDREN and FAMILIES. You know the people who INVESTIGATE child abuse allegations among other things!!!)... Not dcs... Our former neighbor has it on her voicemail... Btw. We have 3 children. They said they needed to talk to this person because they were trying to locate us regarding an INVESTIGATION!!!
We got the call and immediately were completly PANICKED as you can imagine. It is the WORST call immaginable to think that DCF is investigating you as a parent! We got the number and IMMEDIATELY called... At first the person who answered just acted VERY RUDELY and my husband kept saying is this DCF? And she would say YES and kept trying to get my husbands social security number... Finally my husband said "is this DIVISION OF CHILDREN AND FAMILIES???" and she said no. But then it took SEVERAL more times for her to FINALLY tell my husband that it was DCS (not F) and what it stood for... Diversified Collection Services.
Then. Without getting his SS#, she proceeds to tell my husband that we owe $149,000 on our second mortgage and that she saw we were getting ready to be foreclosed on... Husband said "no. We were foreclosed on over 2 years ago and we did NOT have a second mortgage at the time of forclosure and have the paperwork to PROVE it'!!!
She then told my husband that he was wrong. That the police were going to come pick him up for court in 48 hours, that he would go to jail, that his wages would be garnished... Etc etc etc... Husband hung up on her and CALLED OUR LAWYER... Spent $200 bascially to get told that none of the things she said were true or valid. And that the "debt" was not on our credit report even...
When husband tried to call back, the person that answered DEMANDED his SS# again and when he would not give it. They hung up!
We are contacting Federal Trade Commission in the morning!
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