I recently brought suit against HomEq in the U.S. District Court of Vermont for unfair debt collection practices. I was able to do this because my state law mirrors the Fair Debt Collection Practices Act (under which they are exempt for their unfair debt collection practices), but my state law does not exempt creditors and holds them accountable for unfair debt collection practices. HomEq realized the futility of fighting this action and they settled with me. While I won't disclose the exact amount here I will say that I no longer have a mortgage.
So if you are tired of HomEq calling you repeatedly about payments that are only a few days overdue; if you are tired of them threatening you with legal action they cannot legally take; if you are tired of being called at work after telling them not to call you there; if you are tired of being harassed then you need to find out what your state law says regarding debt collection. If your state is like mine in that it does not exempt creditors from having to comply with the law (and many are) then you should talk to an attorney.
I'm sure the rebuttal responses will try to defend HomEq's practices (which their lawyers couldn't do!) but even if you're months late on a bill you shouldn't have to worry about being harrassed and this is the very reason these consumer protection laws were passed.
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